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$24,961
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,738
−HK$788/mo
Today · 4.125%
HK$26,526
baseline
▲ 0.50% · 4.625%
HK$28,140
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,052/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,769
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,514
−HK$755/mo
Today · 4.125%
HK$29,269
baseline
▲ 0.50% · 4.625%
HK$30,812
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,538/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,953
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,885
−HK$947/mo
Today · 4.125%
HK$31,832
baseline
▲ 0.50% · 4.625%
HK$33,769
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,664/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,323
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,216
−HK$907/mo
Today · 4.125%
HK$35,123
baseline
▲ 0.50% · 4.625%
HK$36,974
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,246/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,946
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,033
−HK$1,104/mo
Today · 4.125%
HK$37,137
baseline
▲ 0.50% · 4.625%
HK$39,397
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,274/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,877
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,919
−HK$1,058/mo
Today · 4.125%
HK$40,977
baseline
▲ 0.50% · 4.625%
HK$43,137
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,954/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,930
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,328
−HK$1,419/mo
Today · 4.125%
HK$47,747
baseline
▲ 0.50% · 4.625%
HK$50,653
+HK$2,906/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,494/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,984
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,325
−HK$1,360/mo
Today · 4.125%
HK$52,685
baseline
▲ 0.50% · 4.625%
HK$55,462
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,370/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,499 · Scale 2, in force from 26 Feb 2026)