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$24,940
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,716
−HK$788/mo
Today · 4.125%
HK$26,504
baseline
▲ 0.50% · 4.625%
HK$28,117
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,008/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,746
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,490
−HK$755/mo
Today · 4.125%
HK$29,245
baseline
▲ 0.50% · 4.625%
HK$30,787
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,490/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,929
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,860
−HK$945/mo
Today · 4.125%
HK$31,805
baseline
▲ 0.50% · 4.625%
HK$33,741
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$63,610/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,295
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,188
−HK$906/mo
Today · 4.125%
HK$35,094
baseline
▲ 0.50% · 4.625%
HK$36,944
+HK$1,850/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$70,188/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,917
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$36,003
−HK$1,103/mo
Today · 4.125%
HK$37,106
baseline
▲ 0.50% · 4.625%
HK$39,364
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,212/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,844
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,886
−HK$1,057/mo
Today · 4.125%
HK$40,943
baseline
▲ 0.50% · 4.625%
HK$43,101
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,886/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,893
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,289
−HK$1,419/mo
Today · 4.125%
HK$47,708
baseline
▲ 0.50% · 4.625%
HK$50,611
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,416/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,943
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,282
−HK$1,359/mo
Today · 4.125%
HK$52,641
baseline
▲ 0.50% · 4.625%
HK$55,416
+HK$2,775/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,282/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,159 · Scale 2, in force from 26 Feb 2026)