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$24,971
−HK$1,565/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$410,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,780
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,525
−HK$755/mo
Today · 4.125%
HK$29,280
baseline
▲ 0.50% · 4.625%
HK$30,824
+HK$1,544/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$410,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,965
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,897
−HK$947/mo
Today · 4.125%
HK$31,844
baseline
▲ 0.50% · 4.625%
HK$33,781
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,688/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,655 · 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$36,989
+HK$1,853/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$410,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,959
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,046
−HK$1,105/mo
Today · 4.125%
HK$37,151
baseline
▲ 0.50% · 4.625%
HK$39,412
+HK$2,261/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$410,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,891
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,934
−HK$1,059/mo
Today · 4.125%
HK$40,993
baseline
▲ 0.50% · 4.625%
HK$43,153
+HK$2,160/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$81,986/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,947
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,345
−HK$1,421/mo
Today · 4.125%
HK$47,766
baseline
▲ 0.50% · 4.625%
HK$50,672
+HK$2,906/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,532/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,003
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,344
−HK$1,361/mo
Today · 4.125%
HK$52,705
baseline
▲ 0.50% · 4.625%
HK$55,483
+HK$2,778/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,410/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,655 · Scale 2, in force from 26 Feb 2026)