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$24,969
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,746
−HK$789/mo
Today · 4.125%
HK$26,535
baseline
▲ 0.50% · 4.625%
HK$28,150
+HK$1,615/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,070/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,778
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,523
−HK$756/mo
Today · 4.125%
HK$29,279
baseline
▲ 0.50% · 4.625%
HK$30,822
+HK$1,543/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,558/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,963
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,895
−HK$947/mo
Today · 4.125%
HK$31,842
baseline
▲ 0.50% · 4.625%
HK$33,780
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,684/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,334
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,228
−HK$907/mo
Today · 4.125%
HK$35,135
baseline
▲ 0.50% · 4.625%
HK$36,987
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,270/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,957
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,044
−HK$1,105/mo
Today · 4.125%
HK$37,149
baseline
▲ 0.50% · 4.625%
HK$39,409
+HK$2,260/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,298/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,889
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,932
−HK$1,058/mo
Today · 4.125%
HK$40,990
baseline
▲ 0.50% · 4.625%
HK$43,151
+HK$2,161/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$81,980/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,945
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,343
−HK$1,420/mo
Today · 4.125%
HK$47,763
baseline
▲ 0.50% · 4.625%
HK$50,669
+HK$2,906/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,526/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,000
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,341
−HK$1,361/mo
Today · 4.125%
HK$52,702
baseline
▲ 0.50% · 4.625%
HK$55,480
+HK$2,778/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,404/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,632 · Scale 2, in force from 26 Feb 2026)