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$1,564/mo
▼ 0.25% · 3.875%
HK$25,714
−HK$788/mo
Today · 4.125%
HK$26,502
baseline
▲ 0.50% · 4.625%
HK$28,114
+HK$1,612/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$410,118 · 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$30,784
+HK$1,542/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$410,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,926
−HK$1,876/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$410,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,292
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,185
−HK$906/mo
Today · 4.125%
HK$35,091
baseline
▲ 0.50% · 4.625%
HK$36,940
+HK$1,849/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$410,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,913
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$35,999
−HK$1,104/mo
Today · 4.125%
HK$37,103
baseline
▲ 0.50% · 4.625%
HK$39,360
+HK$2,257/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$410,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,841
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,882
−HK$1,057/mo
Today · 4.125%
HK$40,939
baseline
▲ 0.50% · 4.625%
HK$43,097
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,878/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,888
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,285
−HK$1,418/mo
Today · 4.125%
HK$47,703
baseline
▲ 0.50% · 4.625%
HK$50,606
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,406/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,938
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,277
−HK$1,359/mo
Today · 4.125%
HK$52,636
baseline
▲ 0.50% · 4.625%
HK$55,410
+HK$2,774/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,272/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,118 · Scale 2, in force from 26 Feb 2026)