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$24,973
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,750
−HK$789/mo
Today · 4.125%
HK$26,539
baseline
▲ 0.50% · 4.625%
HK$28,154
+HK$1,615/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,078/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,782
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,527
−HK$756/mo
Today · 4.125%
HK$29,283
baseline
▲ 0.50% · 4.625%
HK$30,827
+HK$1,544/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,566/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,968
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,900
−HK$947/mo
Today · 4.125%
HK$31,847
baseline
▲ 0.50% · 4.625%
HK$33,785
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,694/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,339
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,233
−HK$907/mo
Today · 4.125%
HK$35,140
baseline
▲ 0.50% · 4.625%
HK$36,992
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,280/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,962
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,050
−HK$1,105/mo
Today · 4.125%
HK$37,155
baseline
▲ 0.50% · 4.625%
HK$39,415
+HK$2,260/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,310/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,895
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,938
−HK$1,058/mo
Today · 4.125%
HK$40,996
baseline
▲ 0.50% · 4.625%
HK$43,157
+HK$2,161/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$81,992/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,951
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,350
−HK$1,420/mo
Today · 4.125%
HK$47,770
baseline
▲ 0.50% · 4.625%
HK$50,677
+HK$2,907/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,540/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,008
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,349
−HK$1,361/mo
Today · 4.125%
HK$52,710
baseline
▲ 0.50% · 4.625%
HK$55,488
+HK$2,778/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,420/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,693 · Scale 2, in force from 26 Feb 2026)