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$24,944
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,720
−HK$788/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$28,121
+HK$1,613/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$410,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,750
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,494
−HK$755/mo
Today · 4.125%
HK$29,249
baseline
▲ 0.50% · 4.625%
HK$30,791
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,498/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,933
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,864
−HK$946/mo
Today · 4.125%
HK$31,810
baseline
▲ 0.50% · 4.625%
HK$33,745
+HK$1,935/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$63,620/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,300
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,193
−HK$906/mo
Today · 4.125%
HK$35,099
baseline
▲ 0.50% · 4.625%
HK$36,949
+HK$1,850/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$70,198/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,922
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$36,008
−HK$1,103/mo
Today · 4.125%
HK$37,111
baseline
▲ 0.50% · 4.625%
HK$39,370
+HK$2,259/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$410,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,850
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,892
−HK$1,057/mo
Today · 4.125%
HK$40,949
baseline
▲ 0.50% · 4.625%
HK$43,107
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,898/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,899
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,296
−HK$1,419/mo
Today · 4.125%
HK$47,715
baseline
▲ 0.50% · 4.625%
HK$50,618
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,430/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,950
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,289
−HK$1,359/mo
Today · 4.125%
HK$52,648
baseline
▲ 0.50% · 4.625%
HK$55,424
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,296/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,216 · Scale 2, in force from 26 Feb 2026)