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$24,949
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,725
−HK$788/mo
Today · 4.125%
HK$26,513
baseline
▲ 0.50% · 4.625%
HK$28,126
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,026/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,755
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,499
−HK$756/mo
Today · 4.125%
HK$29,255
baseline
▲ 0.50% · 4.625%
HK$30,797
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,510/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,938
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,870
−HK$946/mo
Today · 4.125%
HK$31,816
baseline
▲ 0.50% · 4.625%
HK$33,752
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$63,632/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,306
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,199
−HK$907/mo
Today · 4.125%
HK$35,106
baseline
▲ 0.50% · 4.625%
HK$36,956
+HK$1,850/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$70,212/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,928
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,015
−HK$1,103/mo
Today · 4.125%
HK$37,118
baseline
▲ 0.50% · 4.625%
HK$39,377
+HK$2,259/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,236/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,857
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,899
−HK$1,057/mo
Today · 4.125%
HK$40,956
baseline
▲ 0.50% · 4.625%
HK$43,115
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,912/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,908
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,304
−HK$1,420/mo
Today · 4.125%
HK$47,724
baseline
▲ 0.50% · 4.625%
HK$50,627
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,448/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,959
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,299
−HK$1,359/mo
Today · 4.125%
HK$52,658
baseline
▲ 0.50% · 4.625%
HK$55,434
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,316/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,294 · Scale 2, in force from 26 Feb 2026)