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$24,929
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,704
−HK$788/mo
Today · 4.125%
HK$26,492
baseline
▲ 0.50% · 4.625%
HK$28,104
+HK$1,612/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$52,984/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,733
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,477
−HK$754/mo
Today · 4.125%
HK$29,231
baseline
▲ 0.50% · 4.625%
HK$30,772
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,462/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,914
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,845
−HK$945/mo
Today · 4.125%
HK$31,790
baseline
▲ 0.50% · 4.625%
HK$33,725
+HK$1,935/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,580/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,279
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,172
−HK$905/mo
Today · 4.125%
HK$35,077
baseline
▲ 0.50% · 4.625%
HK$36,926
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,154/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,900
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,986
−HK$1,103/mo
Today · 4.125%
HK$37,089
baseline
▲ 0.50% · 4.625%
HK$39,345
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,178/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,826
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,867
−HK$1,057/mo
Today · 4.125%
HK$40,924
baseline
▲ 0.50% · 4.625%
HK$43,081
+HK$2,157/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,848/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,872
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,267
−HK$1,418/mo
Today · 4.125%
HK$47,685
baseline
▲ 0.50% · 4.625%
HK$50,587
+HK$2,902/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,370/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,919
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,258
−HK$1,358/mo
Today · 4.125%
HK$52,616
baseline
▲ 0.50% · 4.625%
HK$55,390
+HK$2,774/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,232/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,965 · Scale 2, in force from 26 Feb 2026)