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$24,927
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,703
−HK$787/mo
Today · 4.125%
HK$26,490
baseline
▲ 0.50% · 4.625%
HK$28,102
+HK$1,612/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$52,980/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,731
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,475
−HK$755/mo
Today · 4.125%
HK$29,230
baseline
▲ 0.50% · 4.625%
HK$30,770
+HK$1,540/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,460/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,913
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,843
−HK$946/mo
Today · 4.125%
HK$31,789
baseline
▲ 0.50% · 4.625%
HK$33,723
+HK$1,934/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,578/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,278
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,170
−HK$906/mo
Today · 4.125%
HK$35,076
baseline
▲ 0.50% · 4.625%
HK$36,924
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,152/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,898
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,984
−HK$1,103/mo
Today · 4.125%
HK$37,087
baseline
▲ 0.50% · 4.625%
HK$39,343
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,174/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,824
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,865
−HK$1,056/mo
Today · 4.125%
HK$40,921
baseline
▲ 0.50% · 4.625%
HK$43,079
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,842/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,869
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,265
−HK$1,418/mo
Today · 4.125%
HK$47,683
baseline
▲ 0.50% · 4.625%
HK$50,584
+HK$2,901/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,366/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,917
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,255
−HK$1,358/mo
Today · 4.125%
HK$52,613
baseline
▲ 0.50% · 4.625%
HK$55,387
+HK$2,774/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,226/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,943 · Scale 2, in force from 26 Feb 2026)