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$24,936
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,711
−HK$788/mo
Today · 4.125%
HK$26,499
baseline
▲ 0.50% · 4.625%
HK$28,112
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$52,998/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,741
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,485
−HK$755/mo
Today · 4.125%
HK$29,240
baseline
▲ 0.50% · 4.625%
HK$30,781
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,480/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,923
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,854
−HK$945/mo
Today · 4.125%
HK$31,799
baseline
▲ 0.50% · 4.625%
HK$33,734
+HK$1,935/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,598/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,289
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,182
−HK$905/mo
Today · 4.125%
HK$35,087
baseline
▲ 0.50% · 4.625%
HK$36,937
+HK$1,850/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,174/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,910
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,996
−HK$1,103/mo
Today · 4.125%
HK$37,099
baseline
▲ 0.50% · 4.625%
HK$39,357
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,198/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,837
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,879
−HK$1,056/mo
Today · 4.125%
HK$40,935
baseline
▲ 0.50% · 4.625%
HK$43,093
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,870/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,884
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,281
−HK$1,418/mo
Today · 4.125%
HK$47,699
baseline
▲ 0.50% · 4.625%
HK$50,601
+HK$2,902/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,398/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,933
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,273
−HK$1,358/mo
Today · 4.125%
HK$52,631
baseline
▲ 0.50% · 4.625%
HK$55,405
+HK$2,774/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,262/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,082 · Scale 2, in force from 26 Feb 2026)