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$24,945
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,721
−HK$788/mo
Today · 4.125%
HK$26,509
baseline
▲ 0.50% · 4.625%
HK$28,122
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,018/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,751
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,495
−HK$755/mo
Today · 4.125%
HK$29,250
baseline
▲ 0.50% · 4.625%
HK$30,792
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,500/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,934
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,865
−HK$946/mo
Today · 4.125%
HK$31,811
baseline
▲ 0.50% · 4.625%
HK$33,747
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$63,622/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,301
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,195
−HK$906/mo
Today · 4.125%
HK$35,101
baseline
▲ 0.50% · 4.625%
HK$36,951
+HK$1,850/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$70,202/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,923
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,009
−HK$1,104/mo
Today · 4.125%
HK$37,113
baseline
▲ 0.50% · 4.625%
HK$39,371
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,226/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,852
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,894
−HK$1,057/mo
Today · 4.125%
HK$40,951
baseline
▲ 0.50% · 4.625%
HK$43,109
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,902/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,901
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,298
−HK$1,419/mo
Today · 4.125%
HK$47,717
baseline
▲ 0.50% · 4.625%
HK$50,620
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,434/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,952
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,292
−HK$1,359/mo
Today · 4.125%
HK$52,651
baseline
▲ 0.50% · 4.625%
HK$55,426
+HK$2,775/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,302/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,235 · Scale 2, in force from 26 Feb 2026)