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$24,934
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,710
−HK$788/mo
Today · 4.125%
HK$26,498
baseline
▲ 0.50% · 4.625%
HK$28,110
+HK$1,612/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$52,996/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,739
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,483
−HK$755/mo
Today · 4.125%
HK$29,238
baseline
▲ 0.50% · 4.625%
HK$30,779
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,476/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,921
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,852
−HK$945/mo
Today · 4.125%
HK$31,797
baseline
▲ 0.50% · 4.625%
HK$33,732
+HK$1,935/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,594/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,287
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,180
−HK$905/mo
Today · 4.125%
HK$35,085
baseline
▲ 0.50% · 4.625%
HK$36,935
+HK$1,850/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,170/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$410,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,908
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,994
−HK$1,103/mo
Today · 4.125%
HK$37,097
baseline
▲ 0.50% · 4.625%
HK$39,354
+HK$2,257/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,194/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,835
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,876
−HK$1,057/mo
Today · 4.125%
HK$40,933
baseline
▲ 0.50% · 4.625%
HK$43,091
+HK$2,158/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,866/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,882
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,278
−HK$1,418/mo
Today · 4.125%
HK$47,696
baseline
▲ 0.50% · 4.625%
HK$50,598
+HK$2,902/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,392/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,930
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,270
−HK$1,358/mo
Today · 4.125%
HK$52,628
baseline
▲ 0.50% · 4.625%
HK$55,402
+HK$2,774/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,256/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,058 · Scale 2, in force from 26 Feb 2026)