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$24,943
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,719
−HK$789/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$28,120
+HK$1,612/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,016/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,749
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,493
−HK$755/mo
Today · 4.125%
HK$29,248
baseline
▲ 0.50% · 4.625%
HK$30,790
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,496/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,932
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,863
−HK$946/mo
Today · 4.125%
HK$31,809
baseline
▲ 0.50% · 4.625%
HK$33,745
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$63,618/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,299
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,192
−HK$906/mo
Today · 4.125%
HK$35,098
baseline
▲ 0.50% · 4.625%
HK$36,948
+HK$1,850/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$70,196/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,921
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,007
−HK$1,104/mo
Today · 4.125%
HK$37,111
baseline
▲ 0.50% · 4.625%
HK$39,369
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,222/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,849
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,891
−HK$1,057/mo
Today · 4.125%
HK$40,948
baseline
▲ 0.50% · 4.625%
HK$43,106
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,896/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,898
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,295
−HK$1,419/mo
Today · 4.125%
HK$47,714
baseline
▲ 0.50% · 4.625%
HK$50,617
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,428/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,949
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,288
−HK$1,359/mo
Today · 4.125%
HK$52,647
baseline
▲ 0.50% · 4.625%
HK$55,422
+HK$2,775/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,294/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,207 · Scale 2, in force from 26 Feb 2026)