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$24,956
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,732
−HK$788/mo
Today · 4.125%
HK$26,520
baseline
▲ 0.50% · 4.625%
HK$28,134
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,040/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,763
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,507
−HK$756/mo
Today · 4.125%
HK$29,263
baseline
▲ 0.50% · 4.625%
HK$30,805
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,526/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,947
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,878
−HK$947/mo
Today · 4.125%
HK$31,825
baseline
▲ 0.50% · 4.625%
HK$33,761
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,650/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,315
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,209
−HK$906/mo
Today · 4.125%
HK$35,115
baseline
▲ 0.50% · 4.625%
HK$36,966
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,230/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,938
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,024
−HK$1,105/mo
Today · 4.125%
HK$37,129
baseline
▲ 0.50% · 4.625%
HK$39,388
+HK$2,259/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,258/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,868
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,910
−HK$1,058/mo
Today · 4.125%
HK$40,968
baseline
▲ 0.50% · 4.625%
HK$43,127
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,936/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,920
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,317
−HK$1,420/mo
Today · 4.125%
HK$47,737
baseline
▲ 0.50% · 4.625%
HK$50,641
+HK$2,904/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,474/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,973
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,313
−HK$1,360/mo
Today · 4.125%
HK$52,673
baseline
▲ 0.50% · 4.625%
HK$55,449
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,346/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,407 · Scale 2, in force from 26 Feb 2026)