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$24,941
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,717
−HK$788/mo
Today · 4.125%
HK$26,505
baseline
▲ 0.50% · 4.625%
HK$28,118
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,010/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,747
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,491
−HK$755/mo
Today · 4.125%
HK$29,246
baseline
▲ 0.50% · 4.625%
HK$30,788
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,492/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,930
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,861
−HK$945/mo
Today · 4.125%
HK$31,806
baseline
▲ 0.50% · 4.625%
HK$33,742
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$63,612/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,296
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,189
−HK$906/mo
Today · 4.125%
HK$35,095
baseline
▲ 0.50% · 4.625%
HK$36,945
+HK$1,850/mo
Deposit HK$4.38M · loan HK$6.56M · min. income ≈ HK$70,190/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,918
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$36,004
−HK$1,103/mo
Today · 4.125%
HK$37,107
baseline
▲ 0.50% · 4.625%
HK$39,365
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,214/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,846
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,888
−HK$1,056/mo
Today · 4.125%
HK$40,944
baseline
▲ 0.50% · 4.625%
HK$43,103
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,888/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,894
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,291
−HK$1,419/mo
Today · 4.125%
HK$47,710
baseline
▲ 0.50% · 4.625%
HK$50,613
+HK$2,903/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,420/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,944
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,284
−HK$1,359/mo
Today · 4.125%
HK$52,643
baseline
▲ 0.50% · 4.625%
HK$55,418
+HK$2,775/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,286/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,173 · Scale 2, in force from 26 Feb 2026)