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$24,938
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,713
−HK$788/mo
Today · 4.125%
HK$26,501
baseline
▲ 0.50% · 4.625%
HK$28,114
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,002/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,743
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,487
−HK$755/mo
Today · 4.125%
HK$29,242
baseline
▲ 0.50% · 4.625%
HK$30,783
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,484/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,925
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,856
−HK$946/mo
Today · 4.125%
HK$31,802
baseline
▲ 0.50% · 4.625%
HK$33,737
+HK$1,935/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,604/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,291
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,184
−HK$906/mo
Today · 4.125%
HK$35,090
baseline
▲ 0.50% · 4.625%
HK$36,940
+HK$1,850/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,180/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,913
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,999
−HK$1,103/mo
Today · 4.125%
HK$37,102
baseline
▲ 0.50% · 4.625%
HK$39,359
+HK$2,257/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,204/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,840
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,882
−HK$1,056/mo
Today · 4.125%
HK$40,938
baseline
▲ 0.50% · 4.625%
HK$43,096
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,876/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,888
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,284
−HK$1,418/mo
Today · 4.125%
HK$47,702
baseline
▲ 0.50% · 4.625%
HK$50,605
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,404/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,937
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,276
−HK$1,359/mo
Today · 4.125%
HK$52,635
baseline
▲ 0.50% · 4.625%
HK$55,409
+HK$2,774/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,270/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,112 · Scale 2, in force from 26 Feb 2026)