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$1,564/mo
▼ 0.25% · 3.875%
HK$25,712
−HK$788/mo
Today · 4.125%
HK$26,500
baseline
▲ 0.50% · 4.625%
HK$28,112
+HK$1,612/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,000/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,085 · 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$410,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,923
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,854
−HK$946/mo
Today · 4.125%
HK$31,800
baseline
▲ 0.50% · 4.625%
HK$33,735
+HK$1,935/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,600/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,289
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,182
−HK$906/mo
Today · 4.125%
HK$35,088
baseline
▲ 0.50% · 4.625%
HK$36,937
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,176/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,910
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$35,996
−HK$1,104/mo
Today · 4.125%
HK$37,100
baseline
▲ 0.50% · 4.625%
HK$39,357
+HK$2,257/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,200/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,837
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,879
−HK$1,057/mo
Today · 4.125%
HK$40,936
baseline
▲ 0.50% · 4.625%
HK$43,093
+HK$2,157/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,872/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,885
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,281
−HK$1,418/mo
Today · 4.125%
HK$47,699
baseline
▲ 0.50% · 4.625%
HK$50,602
+HK$2,903/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$410,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,934
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,273
−HK$1,359/mo
Today · 4.125%
HK$52,632
baseline
▲ 0.50% · 4.625%
HK$55,406
+HK$2,774/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,264/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,085 · Scale 2, in force from 26 Feb 2026)