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$24,974
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,750
−HK$790/mo
Today · 4.125%
HK$26,540
baseline
▲ 0.50% · 4.625%
HK$28,155
+HK$1,615/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,080/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,783
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,528
−HK$756/mo
Today · 4.125%
HK$29,284
baseline
▲ 0.50% · 4.625%
HK$30,827
+HK$1,543/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,568/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,968
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,900
−HK$948/mo
Today · 4.125%
HK$31,848
baseline
▲ 0.50% · 4.625%
HK$33,785
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,696/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,339
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,234
−HK$907/mo
Today · 4.125%
HK$35,141
baseline
▲ 0.50% · 4.625%
HK$36,993
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,282/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,963
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,051
−HK$1,104/mo
Today · 4.125%
HK$37,155
baseline
▲ 0.50% · 4.625%
HK$39,416
+HK$2,261/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$410,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,896
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,939
−HK$1,058/mo
Today · 4.125%
HK$40,997
baseline
▲ 0.50% · 4.625%
HK$43,158
+HK$2,161/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$81,994/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,952
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,351
−HK$1,420/mo
Today · 4.125%
HK$47,771
baseline
▲ 0.50% · 4.625%
HK$50,678
+HK$2,907/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,542/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,009
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,350
−HK$1,361/mo
Today · 4.125%
HK$52,711
baseline
▲ 0.50% · 4.625%
HK$55,489
+HK$2,778/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,422/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,704 · Scale 2, in force from 26 Feb 2026)