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$25,737
−HK$788/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$410,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,768
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,513
−HK$755/mo
Today · 4.125%
HK$29,268
baseline
▲ 0.50% · 4.625%
HK$30,811
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,536/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,952
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,884
−HK$947/mo
Today · 4.125%
HK$31,831
baseline
▲ 0.50% · 4.625%
HK$33,767
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,662/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,322
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,215
−HK$907/mo
Today · 4.125%
HK$35,122
baseline
▲ 0.50% · 4.625%
HK$36,973
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,244/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,944
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,031
−HK$1,105/mo
Today · 4.125%
HK$37,136
baseline
▲ 0.50% · 4.625%
HK$39,395
+HK$2,259/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,272/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,875
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,918
−HK$1,057/mo
Today · 4.125%
HK$40,975
baseline
▲ 0.50% · 4.625%
HK$43,135
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,950/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,928
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,326
−HK$1,420/mo
Today · 4.125%
HK$47,746
baseline
▲ 0.50% · 4.625%
HK$50,651
+HK$2,905/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,492/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,982
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,323
−HK$1,360/mo
Today · 4.125%
HK$52,683
baseline
▲ 0.50% · 4.625%
HK$55,460
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,366/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,484 · Scale 2, in force from 26 Feb 2026)