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$24,967
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,744
−HK$789/mo
Today · 4.125%
HK$26,533
baseline
▲ 0.50% · 4.625%
HK$28,147
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,066/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,776
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,521
−HK$755/mo
Today · 4.125%
HK$29,276
baseline
▲ 0.50% · 4.625%
HK$30,820
+HK$1,544/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,552/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,961
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,893
−HK$947/mo
Today · 4.125%
HK$31,840
baseline
▲ 0.50% · 4.625%
HK$33,777
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,680/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,331
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,225
−HK$907/mo
Today · 4.125%
HK$35,132
baseline
▲ 0.50% · 4.625%
HK$36,984
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,264/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,954
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,041
−HK$1,105/mo
Today · 4.125%
HK$37,146
baseline
▲ 0.50% · 4.625%
HK$39,406
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,292/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,886
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,929
−HK$1,058/mo
Today · 4.125%
HK$40,987
baseline
▲ 0.50% · 4.625%
HK$43,148
+HK$2,161/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,974/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,941
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,339
−HK$1,420/mo
Today · 4.125%
HK$47,759
baseline
▲ 0.50% · 4.625%
HK$50,665
+HK$2,906/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,518/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,997
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,337
−HK$1,361/mo
Today · 4.125%
HK$52,698
baseline
▲ 0.50% · 4.625%
HK$55,475
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,396/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,600 · Scale 2, in force from 26 Feb 2026)