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$24,974
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,751
−HK$789/mo
Today · 4.125%
HK$26,540
baseline
▲ 0.50% · 4.625%
HK$28,155
+HK$1,615/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,080/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,784
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,529
−HK$756/mo
Today · 4.125%
HK$29,285
baseline
▲ 0.50% · 4.625%
HK$30,828
+HK$1,543/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,570/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,969
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,901
−HK$948/mo
Today · 4.125%
HK$31,849
baseline
▲ 0.50% · 4.625%
HK$33,787
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,698/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,341
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,235
−HK$907/mo
Today · 4.125%
HK$35,142
baseline
▲ 0.50% · 4.625%
HK$36,994
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,284/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,964
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,052
−HK$1,105/mo
Today · 4.125%
HK$37,157
baseline
▲ 0.50% · 4.625%
HK$39,418
+HK$2,261/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,314/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,897
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,940
−HK$1,059/mo
Today · 4.125%
HK$40,999
baseline
▲ 0.50% · 4.625%
HK$43,160
+HK$2,161/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$81,998/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,954
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,352
−HK$1,421/mo
Today · 4.125%
HK$47,773
baseline
▲ 0.50% · 4.625%
HK$50,680
+HK$2,907/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,546/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,011
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,352
−HK$1,361/mo
Today · 4.125%
HK$52,713
baseline
▲ 0.50% · 4.625%
HK$55,491
+HK$2,778/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,426/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,717 · Scale 2, in force from 26 Feb 2026)