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$24,925
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,700
−HK$788/mo
Today · 4.125%
HK$26,488
baseline
▲ 0.50% · 4.625%
HK$28,100
+HK$1,612/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$52,976/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,729
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,473
−HK$754/mo
Today · 4.125%
HK$29,227
baseline
▲ 0.50% · 4.625%
HK$30,768
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,454/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,910
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,841
−HK$945/mo
Today · 4.125%
HK$31,786
baseline
▲ 0.50% · 4.625%
HK$33,720
+HK$1,934/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,572/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,275
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,167
−HK$906/mo
Today · 4.125%
HK$35,073
baseline
▲ 0.50% · 4.625%
HK$36,921
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,146/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,895
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,981
−HK$1,102/mo
Today · 4.125%
HK$37,083
baseline
▲ 0.50% · 4.625%
HK$39,340
+HK$2,257/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,166/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,821
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,862
−HK$1,056/mo
Today · 4.125%
HK$40,918
baseline
▲ 0.50% · 4.625%
HK$43,075
+HK$2,157/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,836/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,865
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,261
−HK$1,418/mo
Today · 4.125%
HK$47,679
baseline
▲ 0.50% · 4.625%
HK$50,580
+HK$2,901/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,358/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,912
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,251
−HK$1,358/mo
Today · 4.125%
HK$52,609
baseline
▲ 0.50% · 4.625%
HK$55,382
+HK$2,773/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,218/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,908 · Scale 2, in force from 26 Feb 2026)