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$28,098
+HK$1,611/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$409,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,727
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,471
−HK$754/mo
Today · 4.125%
HK$29,225
baseline
▲ 0.50% · 4.625%
HK$30,766
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,450/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,909
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,839
−HK$945/mo
Today · 4.125%
HK$31,784
baseline
▲ 0.50% · 4.625%
HK$33,718
+HK$1,934/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,568/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,273
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,165
−HK$906/mo
Today · 4.125%
HK$35,071
baseline
▲ 0.50% · 4.625%
HK$36,919
+HK$1,848/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$409,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,893
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,979
−HK$1,102/mo
Today · 4.125%
HK$37,081
baseline
▲ 0.50% · 4.625%
HK$39,338
+HK$2,257/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,162/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,818
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,859
−HK$1,057/mo
Today · 4.125%
HK$40,916
baseline
▲ 0.50% · 4.625%
HK$43,072
+HK$2,156/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$409,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,863
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,258
−HK$1,418/mo
Today · 4.125%
HK$47,676
baseline
▲ 0.50% · 4.625%
HK$50,577
+HK$2,901/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,352/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,909
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,248
−HK$1,358/mo
Today · 4.125%
HK$52,606
baseline
▲ 0.50% · 4.625%
HK$55,379
+HK$2,773/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,212/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,885 · Scale 2, in force from 26 Feb 2026)