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$24,946
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,722
−HK$789/mo
Today · 4.125%
HK$26,511
baseline
▲ 0.50% · 4.625%
HK$28,124
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,022/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,752
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,497
−HK$755/mo
Today · 4.125%
HK$29,252
baseline
▲ 0.50% · 4.625%
HK$30,794
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,504/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,935
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,867
−HK$946/mo
Today · 4.125%
HK$31,813
baseline
▲ 0.50% · 4.625%
HK$33,748
+HK$1,935/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$63,626/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,303
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,196
−HK$906/mo
Today · 4.125%
HK$35,102
baseline
▲ 0.50% · 4.625%
HK$36,952
+HK$1,850/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$70,204/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,925
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,011
−HK$1,104/mo
Today · 4.125%
HK$37,115
baseline
▲ 0.50% · 4.625%
HK$39,373
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,230/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,853
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,895
−HK$1,058/mo
Today · 4.125%
HK$40,953
baseline
▲ 0.50% · 4.625%
HK$43,111
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,906/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,903
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,300
−HK$1,419/mo
Today · 4.125%
HK$47,719
baseline
▲ 0.50% · 4.625%
HK$50,623
+HK$2,904/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,438/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,954
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,294
−HK$1,359/mo
Today · 4.125%
HK$52,653
baseline
▲ 0.50% · 4.625%
HK$55,429
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,306/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,254 · Scale 2, in force from 26 Feb 2026)