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$24,947
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,723
−HK$788/mo
Today · 4.125%
HK$26,511
baseline
▲ 0.50% · 4.625%
HK$28,124
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,022/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,753
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,497
−HK$755/mo
Today · 4.125%
HK$29,252
baseline
▲ 0.50% · 4.625%
HK$30,794
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,504/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,936
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,867
−HK$946/mo
Today · 4.125%
HK$31,813
baseline
▲ 0.50% · 4.625%
HK$33,749
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$63,626/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,304
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,197
−HK$906/mo
Today · 4.125%
HK$35,103
baseline
▲ 0.50% · 4.625%
HK$36,953
+HK$1,850/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$70,206/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,925
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,012
−HK$1,103/mo
Today · 4.125%
HK$37,115
baseline
▲ 0.50% · 4.625%
HK$39,374
+HK$2,259/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,230/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,854
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,896
−HK$1,057/mo
Today · 4.125%
HK$40,953
baseline
▲ 0.50% · 4.625%
HK$43,112
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,906/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,904
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,301
−HK$1,419/mo
Today · 4.125%
HK$47,720
baseline
▲ 0.50% · 4.625%
HK$50,624
+HK$2,904/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,440/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,955
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,295
−HK$1,359/mo
Today · 4.125%
HK$52,654
baseline
▲ 0.50% · 4.625%
HK$55,430
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,308/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,262 · Scale 2, in force from 26 Feb 2026)