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$24,930
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,706
−HK$787/mo
Today · 4.125%
HK$26,493
baseline
▲ 0.50% · 4.625%
HK$28,106
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$52,986/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,734
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,478
−HK$755/mo
Today · 4.125%
HK$29,233
baseline
▲ 0.50% · 4.625%
HK$30,774
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,466/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,916
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,847
−HK$945/mo
Today · 4.125%
HK$31,792
baseline
▲ 0.50% · 4.625%
HK$33,727
+HK$1,935/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,584/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,281
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,174
−HK$905/mo
Today · 4.125%
HK$35,079
baseline
▲ 0.50% · 4.625%
HK$36,929
+HK$1,850/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,158/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,902
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,988
−HK$1,103/mo
Today · 4.125%
HK$37,091
baseline
▲ 0.50% · 4.625%
HK$39,348
+HK$2,257/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,182/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,828
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,870
−HK$1,056/mo
Today · 4.125%
HK$40,926
baseline
▲ 0.50% · 4.625%
HK$43,083
+HK$2,157/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,852/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,874
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,270
−HK$1,418/mo
Today · 4.125%
HK$47,688
baseline
▲ 0.50% · 4.625%
HK$50,590
+HK$2,902/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,376/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,922
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,261
−HK$1,358/mo
Today · 4.125%
HK$52,619
baseline
▲ 0.50% · 4.625%
HK$55,393
+HK$2,774/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,238/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,989 · Scale 2, in force from 26 Feb 2026)