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$24,963
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,740
−HK$788/mo
Today · 4.125%
HK$26,528
baseline
▲ 0.50% · 4.625%
HK$28,143
+HK$1,615/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,056/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,771
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,516
−HK$756/mo
Today · 4.125%
HK$29,272
baseline
▲ 0.50% · 4.625%
HK$30,814
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,544/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,956
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,887
−HK$947/mo
Today · 4.125%
HK$31,834
baseline
▲ 0.50% · 4.625%
HK$33,771
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,668/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,325
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,219
−HK$907/mo
Today · 4.125%
HK$35,126
baseline
▲ 0.50% · 4.625%
HK$36,977
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,252/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,948
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,035
−HK$1,105/mo
Today · 4.125%
HK$37,140
baseline
▲ 0.50% · 4.625%
HK$39,400
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,280/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,880
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,922
−HK$1,058/mo
Today · 4.125%
HK$40,980
baseline
▲ 0.50% · 4.625%
HK$43,140
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,960/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,934
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,331
−HK$1,420/mo
Today · 4.125%
HK$47,751
baseline
▲ 0.50% · 4.625%
HK$50,657
+HK$2,906/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,502/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,988
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,329
−HK$1,360/mo
Today · 4.125%
HK$52,689
baseline
▲ 0.50% · 4.625%
HK$55,466
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,378/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,531 · Scale 2, in force from 26 Feb 2026)