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$24,959
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,736
−HK$788/mo
Today · 4.125%
HK$26,524
baseline
▲ 0.50% · 4.625%
HK$28,138
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,048/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,767
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,512
−HK$755/mo
Today · 4.125%
HK$29,267
baseline
▲ 0.50% · 4.625%
HK$30,810
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,534/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,951
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,883
−HK$946/mo
Today · 4.125%
HK$31,829
baseline
▲ 0.50% · 4.625%
HK$33,766
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,658/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,320
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,214
−HK$906/mo
Today · 4.125%
HK$35,120
baseline
▲ 0.50% · 4.625%
HK$36,972
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,240/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,943
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,030
−HK$1,104/mo
Today · 4.125%
HK$37,134
baseline
▲ 0.50% · 4.625%
HK$39,394
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,268/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,874
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,916
−HK$1,058/mo
Today · 4.125%
HK$40,974
baseline
▲ 0.50% · 4.625%
HK$43,134
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,948/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,927
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,324
−HK$1,420/mo
Today · 4.125%
HK$47,744
baseline
▲ 0.50% · 4.625%
HK$50,649
+HK$2,905/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,488/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,980
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,321
−HK$1,360/mo
Today · 4.125%
HK$52,681
baseline
▲ 0.50% · 4.625%
HK$55,458
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,362/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,468 · Scale 2, in force from 26 Feb 2026)