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$24,958
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,734
−HK$789/mo
Today · 4.125%
HK$26,523
baseline
▲ 0.50% · 4.625%
HK$28,136
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,046/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,765
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,510
−HK$755/mo
Today · 4.125%
HK$29,265
baseline
▲ 0.50% · 4.625%
HK$30,808
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,530/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,949
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,881
−HK$946/mo
Today · 4.125%
HK$31,827
baseline
▲ 0.50% · 4.625%
HK$33,764
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,654/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,318
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,212
−HK$906/mo
Today · 4.125%
HK$35,118
baseline
▲ 0.50% · 4.625%
HK$36,969
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,236/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,941
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,027
−HK$1,105/mo
Today · 4.125%
HK$37,132
baseline
▲ 0.50% · 4.625%
HK$39,391
+HK$2,259/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,264/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,871
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,914
−HK$1,057/mo
Today · 4.125%
HK$40,971
baseline
▲ 0.50% · 4.625%
HK$43,131
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,942/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,924
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,321
−HK$1,420/mo
Today · 4.125%
HK$47,741
baseline
▲ 0.50% · 4.625%
HK$50,646
+HK$2,905/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,482/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,977
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,317
−HK$1,360/mo
Today · 4.125%
HK$52,677
baseline
▲ 0.50% · 4.625%
HK$55,454
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,354/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,441 · Scale 2, in force from 26 Feb 2026)