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$24,954
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,730
−HK$789/mo
Today · 4.125%
HK$26,519
baseline
▲ 0.50% · 4.625%
HK$28,132
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,038/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,761
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,506
−HK$755/mo
Today · 4.125%
HK$29,261
baseline
▲ 0.50% · 4.625%
HK$30,803
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,522/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,945
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,876
−HK$947/mo
Today · 4.125%
HK$31,823
baseline
▲ 0.50% · 4.625%
HK$33,759
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,646/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,313
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,207
−HK$906/mo
Today · 4.125%
HK$35,113
baseline
▲ 0.50% · 4.625%
HK$36,964
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,226/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,936
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,022
−HK$1,104/mo
Today · 4.125%
HK$37,126
baseline
▲ 0.50% · 4.625%
HK$39,385
+HK$2,259/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,252/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,866
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,908
−HK$1,057/mo
Today · 4.125%
HK$40,965
baseline
▲ 0.50% · 4.625%
HK$43,125
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,930/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,917
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,314
−HK$1,420/mo
Today · 4.125%
HK$47,734
baseline
▲ 0.50% · 4.625%
HK$50,638
+HK$2,904/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,468/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,970
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,310
−HK$1,360/mo
Today · 4.125%
HK$52,670
baseline
▲ 0.50% · 4.625%
HK$55,446
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,340/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,382 · Scale 2, in force from 26 Feb 2026)