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$24,958
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,735
−HK$789/mo
Today · 4.125%
HK$26,524
baseline
▲ 0.50% · 4.625%
HK$28,137
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,048/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,766
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,511
−HK$755/mo
Today · 4.125%
HK$29,266
baseline
▲ 0.50% · 4.625%
HK$30,809
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,532/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,950
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,882
−HK$946/mo
Today · 4.125%
HK$31,828
baseline
▲ 0.50% · 4.625%
HK$33,765
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,656/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,319
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,213
−HK$906/mo
Today · 4.125%
HK$35,119
baseline
▲ 0.50% · 4.625%
HK$36,970
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,238/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,942
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,029
−HK$1,104/mo
Today · 4.125%
HK$37,133
baseline
▲ 0.50% · 4.625%
HK$39,392
+HK$2,259/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,266/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,872
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,915
−HK$1,058/mo
Today · 4.125%
HK$40,973
baseline
▲ 0.50% · 4.625%
HK$43,132
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,946/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,925
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,323
−HK$1,419/mo
Today · 4.125%
HK$47,742
baseline
▲ 0.50% · 4.625%
HK$50,647
+HK$2,905/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,484/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,979
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,319
−HK$1,360/mo
Today · 4.125%
HK$52,679
baseline
▲ 0.50% · 4.625%
HK$55,456
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,358/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,454 · Scale 2, in force from 26 Feb 2026)