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$24,962
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,739
−HK$788/mo
Today · 4.125%
HK$26,527
baseline
▲ 0.50% · 4.625%
HK$28,142
+HK$1,615/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,054/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,770
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,515
−HK$755/mo
Today · 4.125%
HK$29,270
baseline
▲ 0.50% · 4.625%
HK$30,813
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,540/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,955
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,886
−HK$947/mo
Today · 4.125%
HK$31,833
baseline
▲ 0.50% · 4.625%
HK$33,770
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,666/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,324
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,218
−HK$906/mo
Today · 4.125%
HK$35,124
baseline
▲ 0.50% · 4.625%
HK$36,976
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,248/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,947
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,034
−HK$1,104/mo
Today · 4.125%
HK$37,138
baseline
▲ 0.50% · 4.625%
HK$39,398
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,276/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,878
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,921
−HK$1,058/mo
Today · 4.125%
HK$40,979
baseline
▲ 0.50% · 4.625%
HK$43,139
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,958/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,932
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,329
−HK$1,420/mo
Today · 4.125%
HK$47,749
baseline
▲ 0.50% · 4.625%
HK$50,655
+HK$2,906/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,498/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,986
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,327
−HK$1,360/mo
Today · 4.125%
HK$52,687
baseline
▲ 0.50% · 4.625%
HK$55,464
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,374/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,515 · Scale 2, in force from 26 Feb 2026)