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$24,983
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,761
−HK$789/mo
Today · 4.125%
HK$26,550
baseline
▲ 0.50% · 4.625%
HK$28,166
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,100/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,794
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,539
−HK$756/mo
Today · 4.125%
HK$29,295
baseline
▲ 0.50% · 4.625%
HK$30,840
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,590/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,980
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,913
−HK$947/mo
Today · 4.125%
HK$31,860
baseline
▲ 0.50% · 4.625%
HK$33,799
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,720/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,353
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,247
−HK$908/mo
Today · 4.125%
HK$35,155
baseline
▲ 0.50% · 4.625%
HK$37,008
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,310/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,977
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,065
−HK$1,105/mo
Today · 4.125%
HK$37,170
baseline
▲ 0.50% · 4.625%
HK$39,432
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,340/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,911
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,955
−HK$1,059/mo
Today · 4.125%
HK$41,014
baseline
▲ 0.50% · 4.625%
HK$43,176
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,028/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,970
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,369
−HK$1,421/mo
Today · 4.125%
HK$47,790
baseline
▲ 0.50% · 4.625%
HK$50,698
+HK$2,908/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,580/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,029
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,371
−HK$1,361/mo
Today · 4.125%
HK$52,732
baseline
▲ 0.50% · 4.625%
HK$55,511
+HK$2,779/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,464/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,866 · Scale 2, in force from 26 Feb 2026)