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$25,006
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,784
−HK$790/mo
Today · 4.125%
HK$26,574
baseline
▲ 0.50% · 4.625%
HK$28,191
+HK$1,617/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,148/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,819
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,565
−HK$757/mo
Today · 4.125%
HK$29,322
baseline
▲ 0.50% · 4.625%
HK$30,868
+HK$1,546/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,644/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,008
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,941
−HK$948/mo
Today · 4.125%
HK$31,889
baseline
▲ 0.50% · 4.625%
HK$33,830
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,778/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,383
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,278
−HK$909/mo
Today · 4.125%
HK$35,187
baseline
▲ 0.50% · 4.625%
HK$37,042
+HK$1,855/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,374/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,009
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,098
−HK$1,106/mo
Today · 4.125%
HK$37,204
baseline
▲ 0.50% · 4.625%
HK$39,468
+HK$2,264/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,408/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,947
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,992
−HK$1,059/mo
Today · 4.125%
HK$41,051
baseline
▲ 0.50% · 4.625%
HK$43,215
+HK$2,164/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,102/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,011
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,412
−HK$1,422/mo
Today · 4.125%
HK$47,834
baseline
▲ 0.50% · 4.625%
HK$50,745
+HK$2,911/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,668/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,075
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,418
−HK$1,362/mo
Today · 4.125%
HK$52,780
baseline
▲ 0.50% · 4.625%
HK$55,562
+HK$2,782/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,560/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,243 · Scale 2, in force from 26 Feb 2026)