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$24,948
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,724
−HK$788/mo
Today · 4.125%
HK$26,512
baseline
▲ 0.50% · 4.625%
HK$28,125
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,024/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,754
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,498
−HK$755/mo
Today · 4.125%
HK$29,253
baseline
▲ 0.50% · 4.625%
HK$30,795
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,506/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,937
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,868
−HK$947/mo
Today · 4.125%
HK$31,815
baseline
▲ 0.50% · 4.625%
HK$33,750
+HK$1,935/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$63,630/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,305
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,198
−HK$906/mo
Today · 4.125%
HK$35,104
baseline
▲ 0.50% · 4.625%
HK$36,955
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$70,208/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,927
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,013
−HK$1,104/mo
Today · 4.125%
HK$37,117
baseline
▲ 0.50% · 4.625%
HK$39,375
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,234/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,856
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,898
−HK$1,057/mo
Today · 4.125%
HK$40,955
baseline
▲ 0.50% · 4.625%
HK$43,114
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,910/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,906
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,303
−HK$1,419/mo
Today · 4.125%
HK$47,722
baseline
▲ 0.50% · 4.625%
HK$50,626
+HK$2,904/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,444/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,957
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,297
−HK$1,359/mo
Today · 4.125%
HK$52,656
baseline
▲ 0.50% · 4.625%
HK$55,432
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,312/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,278 · Scale 2, in force from 26 Feb 2026)