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$24,961
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,737
−HK$789/mo
Today · 4.125%
HK$26,526
baseline
▲ 0.50% · 4.625%
HK$28,140
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,052/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,768
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,513
−HK$756/mo
Today · 4.125%
HK$29,269
baseline
▲ 0.50% · 4.625%
HK$30,811
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,538/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,953
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,884
−HK$947/mo
Today · 4.125%
HK$31,831
baseline
▲ 0.50% · 4.625%
HK$33,768
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,662/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,322
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,216
−HK$906/mo
Today · 4.125%
HK$35,122
baseline
▲ 0.50% · 4.625%
HK$36,974
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,244/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,945
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,032
−HK$1,104/mo
Today · 4.125%
HK$37,136
baseline
▲ 0.50% · 4.625%
HK$39,396
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,272/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,876
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,918
−HK$1,058/mo
Today · 4.125%
HK$40,976
baseline
▲ 0.50% · 4.625%
HK$43,136
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,952/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,929
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,327
−HK$1,419/mo
Today · 4.125%
HK$47,746
baseline
▲ 0.50% · 4.625%
HK$50,652
+HK$2,906/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,492/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,983
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,324
−HK$1,360/mo
Today · 4.125%
HK$52,684
baseline
▲ 0.50% · 4.625%
HK$55,461
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,368/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,490 · Scale 2, in force from 26 Feb 2026)