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$24,924
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,699
−HK$788/mo
Today · 4.125%
HK$26,487
baseline
▲ 0.50% · 4.625%
HK$28,099
+HK$1,612/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$52,974/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,728
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,472
−HK$754/mo
Today · 4.125%
HK$29,226
baseline
▲ 0.50% · 4.625%
HK$30,767
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,452/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,909
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,839
−HK$946/mo
Today · 4.125%
HK$31,785
baseline
▲ 0.50% · 4.625%
HK$33,719
+HK$1,934/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,570/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,274
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,166
−HK$905/mo
Today · 4.125%
HK$35,071
baseline
▲ 0.50% · 4.625%
HK$36,920
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,142/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,894
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,979
−HK$1,103/mo
Today · 4.125%
HK$37,082
baseline
▲ 0.50% · 4.625%
HK$39,338
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,164/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,819
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,860
−HK$1,056/mo
Today · 4.125%
HK$40,916
baseline
▲ 0.50% · 4.625%
HK$43,073
+HK$2,157/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,832/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,864
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,259
−HK$1,418/mo
Today · 4.125%
HK$47,677
baseline
▲ 0.50% · 4.625%
HK$50,578
+HK$2,901/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,354/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,910
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,249
−HK$1,358/mo
Today · 4.125%
HK$52,607
baseline
▲ 0.50% · 4.625%
HK$55,380
+HK$2,773/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,214/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,892 · Scale 2, in force from 26 Feb 2026)