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$24,942
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,718
−HK$788/mo
Today · 4.125%
HK$26,506
baseline
▲ 0.50% · 4.625%
HK$28,119
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,012/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,748
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,492
−HK$755/mo
Today · 4.125%
HK$29,247
baseline
▲ 0.50% · 4.625%
HK$30,788
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,494/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,930
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,861
−HK$946/mo
Today · 4.125%
HK$31,807
baseline
▲ 0.50% · 4.625%
HK$33,743
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$63,614/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,297
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,190
−HK$906/mo
Today · 4.125%
HK$35,096
baseline
▲ 0.50% · 4.625%
HK$36,946
+HK$1,850/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$70,192/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,919
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$36,005
−HK$1,103/mo
Today · 4.125%
HK$37,108
baseline
▲ 0.50% · 4.625%
HK$39,366
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,216/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,847
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,888
−HK$1,057/mo
Today · 4.125%
HK$40,945
baseline
▲ 0.50% · 4.625%
HK$43,104
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,890/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,895
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,292
−HK$1,419/mo
Today · 4.125%
HK$47,711
baseline
▲ 0.50% · 4.625%
HK$50,614
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,422/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,946
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,285
−HK$1,359/mo
Today · 4.125%
HK$52,644
baseline
▲ 0.50% · 4.625%
HK$55,419
+HK$2,775/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,288/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,183 · Scale 2, in force from 26 Feb 2026)