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$25,001
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,779
−HK$790/mo
Today · 4.125%
HK$26,569
baseline
▲ 0.50% · 4.625%
HK$28,185
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,138/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,813
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,559
−HK$757/mo
Today · 4.125%
HK$29,316
baseline
▲ 0.50% · 4.625%
HK$30,861
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,632/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,001
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,934
−HK$948/mo
Today · 4.125%
HK$31,882
baseline
▲ 0.50% · 4.625%
HK$33,822
+HK$1,940/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,764/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,376
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,271
−HK$908/mo
Today · 4.125%
HK$35,179
baseline
▲ 0.50% · 4.625%
HK$37,033
+HK$1,854/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,358/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,001
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,090
−HK$1,106/mo
Today · 4.125%
HK$37,196
baseline
▲ 0.50% · 4.625%
HK$39,459
+HK$2,263/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,392/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,939
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,983
−HK$1,059/mo
Today · 4.125%
HK$41,042
baseline
▲ 0.50% · 4.625%
HK$43,206
+HK$2,164/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,084/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,002
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,401
−HK$1,423/mo
Today · 4.125%
HK$47,824
baseline
▲ 0.50% · 4.625%
HK$50,734
+HK$2,910/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,648/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,064
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,407
−HK$1,362/mo
Today · 4.125%
HK$52,769
baseline
▲ 0.50% · 4.625%
HK$55,550
+HK$2,781/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,538/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,154 · Scale 2, in force from 26 Feb 2026)