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$24,956
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,733
−HK$788/mo
Today · 4.125%
HK$26,521
baseline
▲ 0.50% · 4.625%
HK$28,135
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,042/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,764
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,508
−HK$756/mo
Today · 4.125%
HK$29,264
baseline
▲ 0.50% · 4.625%
HK$30,806
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,528/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,948
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,879
−HK$947/mo
Today · 4.125%
HK$31,826
baseline
▲ 0.50% · 4.625%
HK$33,762
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,652/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,317
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,210
−HK$907/mo
Today · 4.125%
HK$35,117
baseline
▲ 0.50% · 4.625%
HK$36,968
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,234/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,939
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,026
−HK$1,104/mo
Today · 4.125%
HK$37,130
baseline
▲ 0.50% · 4.625%
HK$39,389
+HK$2,259/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,260/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,869
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,912
−HK$1,057/mo
Today · 4.125%
HK$40,969
baseline
▲ 0.50% · 4.625%
HK$43,129
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,938/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,922
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,319
−HK$1,420/mo
Today · 4.125%
HK$47,739
baseline
▲ 0.50% · 4.625%
HK$50,643
+HK$2,904/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,478/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,975
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,315
−HK$1,360/mo
Today · 4.125%
HK$52,675
baseline
▲ 0.50% · 4.625%
HK$55,451
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,350/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,422 · Scale 2, in force from 26 Feb 2026)