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$24,962
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,739
−HK$789/mo
Today · 4.125%
HK$26,528
baseline
▲ 0.50% · 4.625%
HK$28,142
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,056/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,770
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,515
−HK$756/mo
Today · 4.125%
HK$29,271
baseline
▲ 0.50% · 4.625%
HK$30,814
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,542/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,955
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,887
−HK$946/mo
Today · 4.125%
HK$31,833
baseline
▲ 0.50% · 4.625%
HK$33,770
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,666/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,324
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,218
−HK$907/mo
Today · 4.125%
HK$35,125
baseline
▲ 0.50% · 4.625%
HK$36,976
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,250/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,947
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,034
−HK$1,105/mo
Today · 4.125%
HK$37,139
baseline
▲ 0.50% · 4.625%
HK$39,399
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,278/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,879
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,921
−HK$1,058/mo
Today · 4.125%
HK$40,979
baseline
▲ 0.50% · 4.625%
HK$43,139
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,958/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,932
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,330
−HK$1,420/mo
Today · 4.125%
HK$47,750
baseline
▲ 0.50% · 4.625%
HK$50,655
+HK$2,905/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,500/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,987
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,327
−HK$1,360/mo
Today · 4.125%
HK$52,687
baseline
▲ 0.50% · 4.625%
HK$55,465
+HK$2,778/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,374/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,519 · Scale 2, in force from 26 Feb 2026)