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$24,939
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,715
−HK$788/mo
Today · 4.125%
HK$26,503
baseline
▲ 0.50% · 4.625%
HK$28,116
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,006/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,745
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,489
−HK$755/mo
Today · 4.125%
HK$29,244
baseline
▲ 0.50% · 4.625%
HK$30,785
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,488/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,927
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,858
−HK$946/mo
Today · 4.125%
HK$31,804
baseline
▲ 0.50% · 4.625%
HK$33,739
+HK$1,935/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,608/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,294
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,187
−HK$906/mo
Today · 4.125%
HK$35,093
baseline
▲ 0.50% · 4.625%
HK$36,942
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,186/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,915
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,001
−HK$1,104/mo
Today · 4.125%
HK$37,105
baseline
▲ 0.50% · 4.625%
HK$39,362
+HK$2,257/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,210/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,843
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,884
−HK$1,057/mo
Today · 4.125%
HK$40,941
baseline
▲ 0.50% · 4.625%
HK$43,099
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,882/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,891
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,287
−HK$1,419/mo
Today · 4.125%
HK$47,706
baseline
▲ 0.50% · 4.625%
HK$50,609
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,412/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,941
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,280
−HK$1,359/mo
Today · 4.125%
HK$52,639
baseline
▲ 0.50% · 4.625%
HK$55,413
+HK$2,774/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,278/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,141 · Scale 2, in force from 26 Feb 2026)