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$24,977
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,754
−HK$790/mo
Today · 4.125%
HK$26,544
baseline
▲ 0.50% · 4.625%
HK$28,159
+HK$1,615/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,088/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,787
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,532
−HK$756/mo
Today · 4.125%
HK$29,288
baseline
▲ 0.50% · 4.625%
HK$30,832
+HK$1,544/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,576/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,973
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,905
−HK$947/mo
Today · 4.125%
HK$31,852
baseline
▲ 0.50% · 4.625%
HK$33,790
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,704/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,344
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,239
−HK$907/mo
Today · 4.125%
HK$35,146
baseline
▲ 0.50% · 4.625%
HK$36,998
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,292/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,968
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,056
−HK$1,105/mo
Today · 4.125%
HK$37,161
baseline
▲ 0.50% · 4.625%
HK$39,422
+HK$2,261/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,322/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,902
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,945
−HK$1,058/mo
Today · 4.125%
HK$41,003
baseline
▲ 0.50% · 4.625%
HK$43,165
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,006/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,959
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,358
−HK$1,420/mo
Today · 4.125%
HK$47,778
baseline
▲ 0.50% · 4.625%
HK$50,686
+HK$2,908/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,556/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,016
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,358
−HK$1,361/mo
Today · 4.125%
HK$52,719
baseline
▲ 0.50% · 4.625%
HK$55,498
+HK$2,779/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,438/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,764 · Scale 2, in force from 26 Feb 2026)