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$24,953
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,729
−HK$789/mo
Today · 4.125%
HK$26,518
baseline
▲ 0.50% · 4.625%
HK$28,131
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,036/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,760
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,504
−HK$756/mo
Today · 4.125%
HK$29,260
baseline
▲ 0.50% · 4.625%
HK$30,802
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,520/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,944
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,875
−HK$946/mo
Today · 4.125%
HK$31,821
baseline
▲ 0.50% · 4.625%
HK$33,758
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,642/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,312
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,205
−HK$907/mo
Today · 4.125%
HK$35,112
baseline
▲ 0.50% · 4.625%
HK$36,963
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,224/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,934
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,021
−HK$1,104/mo
Today · 4.125%
HK$37,125
baseline
▲ 0.50% · 4.625%
HK$39,384
+HK$2,259/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,250/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,864
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,906
−HK$1,058/mo
Today · 4.125%
HK$40,964
baseline
▲ 0.50% · 4.625%
HK$43,123
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,928/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,915
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,313
−HK$1,419/mo
Today · 4.125%
HK$47,732
baseline
▲ 0.50% · 4.625%
HK$50,636
+HK$2,904/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,464/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,968
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,308
−HK$1,360/mo
Today · 4.125%
HK$52,668
baseline
▲ 0.50% · 4.625%
HK$55,444
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,336/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,366 · Scale 2, in force from 26 Feb 2026)