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$24,964
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,740
−HK$789/mo
Today · 4.125%
HK$26,529
baseline
▲ 0.50% · 4.625%
HK$28,144
+HK$1,615/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,058/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,772
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,517
−HK$756/mo
Today · 4.125%
HK$29,273
baseline
▲ 0.50% · 4.625%
HK$30,816
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,546/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,957
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,888
−HK$947/mo
Today · 4.125%
HK$31,835
baseline
▲ 0.50% · 4.625%
HK$33,772
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,670/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,326
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,220
−HK$907/mo
Today · 4.125%
HK$35,127
baseline
▲ 0.50% · 4.625%
HK$36,979
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,254/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,949
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,037
−HK$1,104/mo
Today · 4.125%
HK$37,141
baseline
▲ 0.50% · 4.625%
HK$39,401
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,282/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,881
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,924
−HK$1,058/mo
Today · 4.125%
HK$40,982
baseline
▲ 0.50% · 4.625%
HK$43,142
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,964/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,935
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,333
−HK$1,420/mo
Today · 4.125%
HK$47,753
baseline
▲ 0.50% · 4.625%
HK$50,658
+HK$2,905/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,506/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,990
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,330
−HK$1,361/mo
Today · 4.125%
HK$52,691
baseline
▲ 0.50% · 4.625%
HK$55,468
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,382/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,545 · Scale 2, in force from 26 Feb 2026)