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$24,965
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,741
−HK$789/mo
Today · 4.125%
HK$26,530
baseline
▲ 0.50% · 4.625%
HK$28,145
+HK$1,615/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,060/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,773
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,518
−HK$756/mo
Today · 4.125%
HK$29,274
baseline
▲ 0.50% · 4.625%
HK$30,817
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,548/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,958
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,890
−HK$946/mo
Today · 4.125%
HK$31,836
baseline
▲ 0.50% · 4.625%
HK$33,774
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,672/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,328
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,222
−HK$906/mo
Today · 4.125%
HK$35,128
baseline
▲ 0.50% · 4.625%
HK$36,980
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,256/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,951
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,038
−HK$1,104/mo
Today · 4.125%
HK$37,142
baseline
▲ 0.50% · 4.625%
HK$39,403
+HK$2,261/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,284/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,882
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,925
−HK$1,058/mo
Today · 4.125%
HK$40,983
baseline
▲ 0.50% · 4.625%
HK$43,143
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,966/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,937
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,334
−HK$1,421/mo
Today · 4.125%
HK$47,755
baseline
▲ 0.50% · 4.625%
HK$50,660
+HK$2,905/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,510/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,992
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,332
−HK$1,361/mo
Today · 4.125%
HK$52,693
baseline
▲ 0.50% · 4.625%
HK$55,470
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,386/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,560 · Scale 2, in force from 26 Feb 2026)