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$24,966
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,743
−HK$789/mo
Today · 4.125%
HK$26,532
baseline
▲ 0.50% · 4.625%
HK$28,146
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,064/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,774
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,519
−HK$756/mo
Today · 4.125%
HK$29,275
baseline
▲ 0.50% · 4.625%
HK$30,818
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,550/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,959
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,891
−HK$947/mo
Today · 4.125%
HK$31,838
baseline
▲ 0.50% · 4.625%
HK$33,775
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,676/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,329
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,223
−HK$907/mo
Today · 4.125%
HK$35,130
baseline
▲ 0.50% · 4.625%
HK$36,982
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,260/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,952
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,040
−HK$1,104/mo
Today · 4.125%
HK$37,144
baseline
▲ 0.50% · 4.625%
HK$39,404
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,288/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,884
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,927
−HK$1,058/mo
Today · 4.125%
HK$40,985
baseline
▲ 0.50% · 4.625%
HK$43,145
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,970/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,939
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,337
−HK$1,420/mo
Today · 4.125%
HK$47,757
baseline
▲ 0.50% · 4.625%
HK$50,663
+HK$2,906/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,514/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,994
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,335
−HK$1,360/mo
Today · 4.125%
HK$52,695
baseline
▲ 0.50% · 4.625%
HK$55,473
+HK$2,778/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,390/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,579 · Scale 2, in force from 26 Feb 2026)