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$1,564/mo
▼ 0.25% · 3.875%
HK$25,726
−HK$788/mo
Today · 4.125%
HK$26,514
baseline
▲ 0.50% · 4.625%
HK$28,127
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,028/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,756
−HK$1,500/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$410,309 · 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$6.56M · min. income ≈ HK$63,634/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,307
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,201
−HK$906/mo
Today · 4.125%
HK$35,107
baseline
▲ 0.50% · 4.625%
HK$36,957
+HK$1,850/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$70,214/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,929
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,016
−HK$1,104/mo
Today · 4.125%
HK$37,120
baseline
▲ 0.50% · 4.625%
HK$39,378
+HK$2,258/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$410,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,859
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,901
−HK$1,057/mo
Today · 4.125%
HK$40,958
baseline
▲ 0.50% · 4.625%
HK$43,117
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,916/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,909
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,306
−HK$1,419/mo
Today · 4.125%
HK$47,725
baseline
▲ 0.50% · 4.625%
HK$50,629
+HK$2,904/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,450/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,961
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,301
−HK$1,359/mo
Today · 4.125%
HK$52,660
baseline
▲ 0.50% · 4.625%
HK$55,436
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,320/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,309 · Scale 2, in force from 26 Feb 2026)