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$24,978
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,755
−HK$789/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$410,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,787
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,533
−HK$756/mo
Today · 4.125%
HK$29,289
baseline
▲ 0.50% · 4.625%
HK$30,832
+HK$1,543/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,578/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,973
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,905
−HK$948/mo
Today · 4.125%
HK$31,853
baseline
▲ 0.50% · 4.625%
HK$33,791
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,706/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,345
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,239
−HK$907/mo
Today · 4.125%
HK$35,146
baseline
▲ 0.50% · 4.625%
HK$36,999
+HK$1,853/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$410,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,969
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,056
−HK$1,105/mo
Today · 4.125%
HK$37,161
baseline
▲ 0.50% · 4.625%
HK$39,423
+HK$2,262/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$410,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,902
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,946
−HK$1,058/mo
Today · 4.125%
HK$41,004
baseline
▲ 0.50% · 4.625%
HK$43,165
+HK$2,161/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,008/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,960
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,358
−HK$1,421/mo
Today · 4.125%
HK$47,779
baseline
▲ 0.50% · 4.625%
HK$50,686
+HK$2,907/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,558/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,017
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,359
−HK$1,360/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$410,769 · Scale 2, in force from 26 Feb 2026)