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$24,950
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,726
−HK$789/mo
Today · 4.125%
HK$26,515
baseline
▲ 0.50% · 4.625%
HK$28,128
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,030/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,757
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,501
−HK$755/mo
Today · 4.125%
HK$29,256
baseline
▲ 0.50% · 4.625%
HK$30,798
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,512/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,940
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,871
−HK$946/mo
Today · 4.125%
HK$31,817
baseline
▲ 0.50% · 4.625%
HK$33,753
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,634/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,308
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,201
−HK$906/mo
Today · 4.125%
HK$35,107
baseline
▲ 0.50% · 4.625%
HK$36,958
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,214/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,930
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,016
−HK$1,104/mo
Today · 4.125%
HK$37,120
baseline
▲ 0.50% · 4.625%
HK$39,379
+HK$2,259/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,240/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,859
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,901
−HK$1,058/mo
Today · 4.125%
HK$40,959
baseline
▲ 0.50% · 4.625%
HK$43,118
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,918/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,910
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,307
−HK$1,419/mo
Today · 4.125%
HK$47,726
baseline
▲ 0.50% · 4.625%
HK$50,630
+HK$2,904/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,452/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,962
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,302
−HK$1,359/mo
Today · 4.125%
HK$52,661
baseline
▲ 0.50% · 4.625%
HK$55,437
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,322/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,315 · Scale 2, in force from 26 Feb 2026)