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$24,951
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,727
−HK$789/mo
Today · 4.125%
HK$26,516
baseline
▲ 0.50% · 4.625%
HK$28,129
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,032/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,758
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,503
−HK$755/mo
Today · 4.125%
HK$29,258
baseline
▲ 0.50% · 4.625%
HK$30,800
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,516/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,942
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,873
−HK$946/mo
Today · 4.125%
HK$31,819
baseline
▲ 0.50% · 4.625%
HK$33,755
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,638/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,310
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,203
−HK$906/mo
Today · 4.125%
HK$35,109
baseline
▲ 0.50% · 4.625%
HK$36,960
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,218/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,932
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,018
−HK$1,104/mo
Today · 4.125%
HK$37,122
baseline
▲ 0.50% · 4.625%
HK$39,381
+HK$2,259/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,244/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,861
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,904
−HK$1,057/mo
Today · 4.125%
HK$40,961
baseline
▲ 0.50% · 4.625%
HK$43,120
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,922/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,912
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,309
−HK$1,420/mo
Today · 4.125%
HK$47,729
baseline
▲ 0.50% · 4.625%
HK$50,633
+HK$2,904/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,458/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,965
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,305
−HK$1,359/mo
Today · 4.125%
HK$52,664
baseline
▲ 0.50% · 4.625%
HK$55,440
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,328/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,338 · Scale 2, in force from 26 Feb 2026)