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$24,968
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,745
−HK$789/mo
Today · 4.125%
HK$26,534
baseline
▲ 0.50% · 4.625%
HK$28,148
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,068/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,777
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,522
−HK$755/mo
Today · 4.125%
HK$29,277
baseline
▲ 0.50% · 4.625%
HK$30,821
+HK$1,544/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,554/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,962
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,894
−HK$947/mo
Today · 4.125%
HK$31,841
baseline
▲ 0.50% · 4.625%
HK$33,778
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,682/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,332
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,226
−HK$907/mo
Today · 4.125%
HK$35,133
baseline
▲ 0.50% · 4.625%
HK$36,985
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,266/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,955
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,043
−HK$1,104/mo
Today · 4.125%
HK$37,147
baseline
▲ 0.50% · 4.625%
HK$39,408
+HK$2,261/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,294/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,887
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,930
−HK$1,058/mo
Today · 4.125%
HK$40,988
baseline
▲ 0.50% · 4.625%
HK$43,149
+HK$2,161/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,976/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,943
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,340
−HK$1,421/mo
Today · 4.125%
HK$47,761
baseline
▲ 0.50% · 4.625%
HK$50,667
+HK$2,906/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,522/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,998
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,339
−HK$1,360/mo
Today · 4.125%
HK$52,699
baseline
▲ 0.50% · 4.625%
HK$55,477
+HK$2,778/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,398/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,613 · Scale 2, in force from 26 Feb 2026)