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$24,948
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,724
−HK$789/mo
Today · 4.125%
HK$26,513
baseline
▲ 0.50% · 4.625%
HK$28,126
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,026/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,754
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,499
−HK$755/mo
Today · 4.125%
HK$29,254
baseline
▲ 0.50% · 4.625%
HK$30,796
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,508/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,938
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,869
−HK$946/mo
Today · 4.125%
HK$31,815
baseline
▲ 0.50% · 4.625%
HK$33,751
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$63,630/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,305
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,199
−HK$906/mo
Today · 4.125%
HK$35,105
baseline
▲ 0.50% · 4.625%
HK$36,955
+HK$1,850/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$70,210/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,927
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,014
−HK$1,104/mo
Today · 4.125%
HK$37,118
baseline
▲ 0.50% · 4.625%
HK$39,376
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,236/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,856
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,898
−HK$1,058/mo
Today · 4.125%
HK$40,956
baseline
▲ 0.50% · 4.625%
HK$43,114
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,912/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,907
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,303
−HK$1,420/mo
Today · 4.125%
HK$47,723
baseline
▲ 0.50% · 4.625%
HK$50,626
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,446/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,958
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,298
−HK$1,359/mo
Today · 4.125%
HK$52,657
baseline
▲ 0.50% · 4.625%
HK$55,433
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,314/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,284 · Scale 2, in force from 26 Feb 2026)