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$24,970
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,747
−HK$789/mo
Today · 4.125%
HK$26,536
baseline
▲ 0.50% · 4.625%
HK$28,151
+HK$1,615/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,072/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,779
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,524
−HK$756/mo
Today · 4.125%
HK$29,280
baseline
▲ 0.50% · 4.625%
HK$30,823
+HK$1,543/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,560/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,964
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,896
−HK$947/mo
Today · 4.125%
HK$31,843
baseline
▲ 0.50% · 4.625%
HK$33,781
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,686/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,335
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,229
−HK$907/mo
Today · 4.125%
HK$35,136
baseline
▲ 0.50% · 4.625%
HK$36,988
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,272/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,958
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,046
−HK$1,105/mo
Today · 4.125%
HK$37,151
baseline
▲ 0.50% · 4.625%
HK$39,411
+HK$2,260/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,302/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,891
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,934
−HK$1,058/mo
Today · 4.125%
HK$40,992
baseline
▲ 0.50% · 4.625%
HK$43,153
+HK$2,161/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$81,984/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,947
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,345
−HK$1,420/mo
Today · 4.125%
HK$47,765
baseline
▲ 0.50% · 4.625%
HK$50,672
+HK$2,907/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,530/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,003
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,344
−HK$1,360/mo
Today · 4.125%
HK$52,704
baseline
▲ 0.50% · 4.625%
HK$55,482
+HK$2,778/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,408/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,651 · Scale 2, in force from 26 Feb 2026)