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$24,960
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,736
−HK$789/mo
Today · 4.125%
HK$26,525
baseline
▲ 0.50% · 4.625%
HK$28,139
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,050/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,767
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,512
−HK$755/mo
Today · 4.125%
HK$29,267
baseline
▲ 0.50% · 4.625%
HK$30,810
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,534/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,951
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,883
−HK$947/mo
Today · 4.125%
HK$31,830
baseline
▲ 0.50% · 4.625%
HK$33,766
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,660/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,321
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,214
−HK$907/mo
Today · 4.125%
HK$35,121
baseline
▲ 0.50% · 4.625%
HK$36,972
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,242/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,943
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,030
−HK$1,105/mo
Today · 4.125%
HK$37,135
baseline
▲ 0.50% · 4.625%
HK$39,394
+HK$2,259/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,270/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,874
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,917
−HK$1,057/mo
Today · 4.125%
HK$40,974
baseline
▲ 0.50% · 4.625%
HK$43,134
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,948/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,927
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,325
−HK$1,419/mo
Today · 4.125%
HK$47,744
baseline
▲ 0.50% · 4.625%
HK$50,650
+HK$2,906/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,488/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,981
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,321
−HK$1,360/mo
Today · 4.125%
HK$52,681
baseline
▲ 0.50% · 4.625%
HK$55,458
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,362/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,473 · Scale 2, in force from 26 Feb 2026)