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$24,963
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,740
−HK$789/mo
Today · 4.125%
HK$26,529
baseline
▲ 0.50% · 4.625%
HK$28,143
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,058/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,771
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,516
−HK$756/mo
Today · 4.125%
HK$29,272
baseline
▲ 0.50% · 4.625%
HK$30,815
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,544/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,956
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,888
−HK$947/mo
Today · 4.125%
HK$31,835
baseline
▲ 0.50% · 4.625%
HK$33,772
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,670/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,326
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,220
−HK$906/mo
Today · 4.125%
HK$35,126
baseline
▲ 0.50% · 4.625%
HK$36,978
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,252/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,949
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,036
−HK$1,104/mo
Today · 4.125%
HK$37,140
baseline
▲ 0.50% · 4.625%
HK$39,400
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,280/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,880
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,923
−HK$1,058/mo
Today · 4.125%
HK$40,981
baseline
▲ 0.50% · 4.625%
HK$43,141
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,962/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,934
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,332
−HK$1,420/mo
Today · 4.125%
HK$47,752
baseline
▲ 0.50% · 4.625%
HK$50,657
+HK$2,905/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,504/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,989
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,329
−HK$1,360/mo
Today · 4.125%
HK$52,689
baseline
▲ 0.50% · 4.625%
HK$55,467
+HK$2,778/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,378/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,536 · Scale 2, in force from 26 Feb 2026)