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$24,939
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,714
−HK$788/mo
Today · 4.125%
HK$26,502
baseline
▲ 0.50% · 4.625%
HK$28,115
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,004/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,744
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,488
−HK$755/mo
Today · 4.125%
HK$29,243
baseline
▲ 0.50% · 4.625%
HK$30,784
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,486/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,926
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,857
−HK$946/mo
Today · 4.125%
HK$31,803
baseline
▲ 0.50% · 4.625%
HK$33,738
+HK$1,935/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,606/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,293
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,186
−HK$905/mo
Today · 4.125%
HK$35,091
baseline
▲ 0.50% · 4.625%
HK$36,941
+HK$1,850/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,182/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,914
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$36,000
−HK$1,103/mo
Today · 4.125%
HK$37,103
baseline
▲ 0.50% · 4.625%
HK$39,361
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,206/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,841
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,883
−HK$1,057/mo
Today · 4.125%
HK$40,940
baseline
▲ 0.50% · 4.625%
HK$43,098
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,880/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,889
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,286
−HK$1,418/mo
Today · 4.125%
HK$47,704
baseline
▲ 0.50% · 4.625%
HK$50,607
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,408/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,939
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,278
−HK$1,359/mo
Today · 4.125%
HK$52,637
baseline
▲ 0.50% · 4.625%
HK$55,412
+HK$2,775/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,274/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,128 · Scale 2, in force from 26 Feb 2026)