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$24,934
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,709
−HK$788/mo
Today · 4.125%
HK$26,497
baseline
▲ 0.50% · 4.625%
HK$28,110
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$52,994/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,739
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,483
−HK$754/mo
Today · 4.125%
HK$29,237
baseline
▲ 0.50% · 4.625%
HK$30,778
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,474/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,921
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,851
−HK$946/mo
Today · 4.125%
HK$31,797
baseline
▲ 0.50% · 4.625%
HK$33,732
+HK$1,935/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,594/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,286
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,179
−HK$906/mo
Today · 4.125%
HK$35,085
baseline
▲ 0.50% · 4.625%
HK$36,934
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,170/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,907
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,993
−HK$1,103/mo
Today · 4.125%
HK$37,096
baseline
▲ 0.50% · 4.625%
HK$39,354
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,192/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,834
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,876
−HK$1,056/mo
Today · 4.125%
HK$40,932
baseline
▲ 0.50% · 4.625%
HK$43,090
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,864/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,881
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,277
−HK$1,418/mo
Today · 4.125%
HK$47,695
baseline
▲ 0.50% · 4.625%
HK$50,597
+HK$2,902/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,390/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,930
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,269
−HK$1,358/mo
Today · 4.125%
HK$52,627
baseline
▲ 0.50% · 4.625%
HK$55,401
+HK$2,774/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,254/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,050 · Scale 2, in force from 26 Feb 2026)