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$24,965
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,741
−HK$789/mo
Today · 4.125%
HK$26,530
baseline
▲ 0.50% · 4.625%
HK$28,144
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,060/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,773
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,518
−HK$755/mo
Today · 4.125%
HK$29,273
baseline
▲ 0.50% · 4.625%
HK$30,816
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,546/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,957
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,889
−HK$947/mo
Today · 4.125%
HK$31,836
baseline
▲ 0.50% · 4.625%
HK$33,773
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,672/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,327
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,221
−HK$907/mo
Today · 4.125%
HK$35,128
baseline
▲ 0.50% · 4.625%
HK$36,980
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,256/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,950
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,038
−HK$1,104/mo
Today · 4.125%
HK$37,142
baseline
▲ 0.50% · 4.625%
HK$39,402
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,284/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,882
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,925
−HK$1,058/mo
Today · 4.125%
HK$40,983
baseline
▲ 0.50% · 4.625%
HK$43,143
+HK$2,160/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,966/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,936
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,334
−HK$1,420/mo
Today · 4.125%
HK$47,754
baseline
▲ 0.50% · 4.625%
HK$50,660
+HK$2,906/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,508/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,991
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,332
−HK$1,360/mo
Today · 4.125%
HK$52,692
baseline
▲ 0.50% · 4.625%
HK$55,469
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,384/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,555 · Scale 2, in force from 26 Feb 2026)