The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,995
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,772
−HK$790/mo
Today · 4.125%
HK$26,562
baseline
▲ 0.50% · 4.625%
HK$28,178
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,124/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,806
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,552
−HK$757/mo
Today · 4.125%
HK$29,309
baseline
▲ 0.50% · 4.625%
HK$30,854
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,618/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,994
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,927
−HK$948/mo
Today · 4.125%
HK$31,875
baseline
▲ 0.50% · 4.625%
HK$33,814
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$63,750/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,368
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,263
−HK$907/mo
Today · 4.125%
HK$35,170
baseline
▲ 0.50% · 4.625%
HK$37,024
+HK$1,854/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$70,340/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,993
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,081
−HK$1,106/mo
Today · 4.125%
HK$37,187
baseline
▲ 0.50% · 4.625%
HK$39,450
+HK$2,263/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,374/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,929
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,973
−HK$1,059/mo
Today · 4.125%
HK$41,032
baseline
▲ 0.50% · 4.625%
HK$43,195
+HK$2,163/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,064/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,991
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,390
−HK$1,422/mo
Today · 4.125%
HK$47,812
baseline
▲ 0.50% · 4.625%
HK$50,721
+HK$2,909/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,624/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,052
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,394
−HK$1,362/mo
Today · 4.125%
HK$52,756
baseline
▲ 0.50% · 4.625%
HK$55,537
+HK$2,781/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,512/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,053 · Scale 2, in force from 26 Feb 2026)