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$24,935
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,711
−HK$788/mo
Today · 4.125%
HK$26,499
baseline
▲ 0.50% · 4.625%
HK$28,111
+HK$1,612/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$52,998/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,740
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,484
−HK$755/mo
Today · 4.125%
HK$29,239
baseline
▲ 0.50% · 4.625%
HK$30,780
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,478/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,922
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,853
−HK$945/mo
Today · 4.125%
HK$31,798
baseline
▲ 0.50% · 4.625%
HK$33,733
+HK$1,935/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,596/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,288
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,181
−HK$905/mo
Today · 4.125%
HK$35,086
baseline
▲ 0.50% · 4.625%
HK$36,936
+HK$1,850/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,172/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,909
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,995
−HK$1,103/mo
Today · 4.125%
HK$37,098
baseline
▲ 0.50% · 4.625%
HK$39,355
+HK$2,257/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,196/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,836
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,877
−HK$1,057/mo
Today · 4.125%
HK$40,934
baseline
▲ 0.50% · 4.625%
HK$43,092
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,868/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,883
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,279
−HK$1,418/mo
Today · 4.125%
HK$47,697
baseline
▲ 0.50% · 4.625%
HK$50,600
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,394/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,932
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,271
−HK$1,358/mo
Today · 4.125%
HK$52,629
baseline
▲ 0.50% · 4.625%
HK$55,404
+HK$2,775/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,258/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,069 · Scale 2, in force from 26 Feb 2026)