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$24,937
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,713
−HK$788/mo
Today · 4.125%
HK$26,501
baseline
▲ 0.50% · 4.625%
HK$28,113
+HK$1,612/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,002/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,742
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,486
−HK$755/mo
Today · 4.125%
HK$29,241
baseline
▲ 0.50% · 4.625%
HK$30,782
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,482/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,924
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,855
−HK$946/mo
Today · 4.125%
HK$31,801
baseline
▲ 0.50% · 4.625%
HK$33,736
+HK$1,935/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,602/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,291
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,183
−HK$906/mo
Today · 4.125%
HK$35,089
baseline
▲ 0.50% · 4.625%
HK$36,939
+HK$1,850/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,178/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,912
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,998
−HK$1,103/mo
Today · 4.125%
HK$37,101
baseline
▲ 0.50% · 4.625%
HK$39,359
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,202/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,839
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,881
−HK$1,056/mo
Today · 4.125%
HK$40,937
baseline
▲ 0.50% · 4.625%
HK$43,095
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,874/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,887
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,283
−HK$1,418/mo
Today · 4.125%
HK$47,701
baseline
▲ 0.50% · 4.625%
HK$50,604
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,402/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,936
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,275
−HK$1,359/mo
Today · 4.125%
HK$52,634
baseline
▲ 0.50% · 4.625%
HK$55,408
+HK$2,774/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,268/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,103 · Scale 2, in force from 26 Feb 2026)