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$24,976
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,753
−HK$789/mo
Today · 4.125%
HK$26,542
baseline
▲ 0.50% · 4.625%
HK$28,157
+HK$1,615/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,084/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,785
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,531
−HK$756/mo
Today · 4.125%
HK$29,287
baseline
▲ 0.50% · 4.625%
HK$30,830
+HK$1,543/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,574/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,971
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,903
−HK$948/mo
Today · 4.125%
HK$31,851
baseline
▲ 0.50% · 4.625%
HK$33,789
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,702/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,343
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,237
−HK$907/mo
Today · 4.125%
HK$35,144
baseline
▲ 0.50% · 4.625%
HK$36,996
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,288/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,966
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,054
−HK$1,105/mo
Today · 4.125%
HK$37,159
baseline
▲ 0.50% · 4.625%
HK$39,420
+HK$2,261/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,318/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,900
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,943
−HK$1,058/mo
Today · 4.125%
HK$41,001
baseline
▲ 0.50% · 4.625%
HK$43,162
+HK$2,161/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,002/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,957
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,355
−HK$1,421/mo
Today · 4.125%
HK$47,776
baseline
▲ 0.50% · 4.625%
HK$50,683
+HK$2,907/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,552/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,014
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,355
−HK$1,361/mo
Today · 4.125%
HK$52,716
baseline
▲ 0.50% · 4.625%
HK$55,495
+HK$2,779/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,432/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,742 · Scale 2, in force from 26 Feb 2026)