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$24,972
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,749
−HK$789/mo
Today · 4.125%
HK$26,538
baseline
▲ 0.50% · 4.625%
HK$28,152
+HK$1,614/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,076/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,781
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,526
−HK$756/mo
Today · 4.125%
HK$29,282
baseline
▲ 0.50% · 4.625%
HK$30,825
+HK$1,543/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,564/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,966
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,898
−HK$947/mo
Today · 4.125%
HK$31,845
baseline
▲ 0.50% · 4.625%
HK$33,783
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,690/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,337
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,231
−HK$907/mo
Today · 4.125%
HK$35,138
baseline
▲ 0.50% · 4.625%
HK$36,990
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,276/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,960
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,048
−HK$1,105/mo
Today · 4.125%
HK$37,153
baseline
▲ 0.50% · 4.625%
HK$39,413
+HK$2,260/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,306/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,893
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,936
−HK$1,058/mo
Today · 4.125%
HK$40,994
baseline
▲ 0.50% · 4.625%
HK$43,155
+HK$2,161/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$81,988/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,949
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,347
−HK$1,421/mo
Today · 4.125%
HK$47,768
baseline
▲ 0.50% · 4.625%
HK$50,674
+HK$2,906/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,536/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,005
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,347
−HK$1,360/mo
Today · 4.125%
HK$52,707
baseline
▲ 0.50% · 4.625%
HK$55,485
+HK$2,778/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,414/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,674 · Scale 2, in force from 26 Feb 2026)