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$24,950
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,726
−HK$789/mo
Today · 4.125%
HK$26,515
baseline
▲ 0.50% · 4.625%
HK$28,128
+HK$1,613/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,030/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,757
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,501
−HK$755/mo
Today · 4.125%
HK$29,256
baseline
▲ 0.50% · 4.625%
HK$30,799
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,512/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,940
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,871
−HK$947/mo
Today · 4.125%
HK$31,818
baseline
▲ 0.50% · 4.625%
HK$33,754
+HK$1,936/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,636/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,308
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,201
−HK$907/mo
Today · 4.125%
HK$35,108
baseline
▲ 0.50% · 4.625%
HK$36,958
+HK$1,850/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,216/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,930
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,017
−HK$1,104/mo
Today · 4.125%
HK$37,121
baseline
▲ 0.50% · 4.625%
HK$39,379
+HK$2,258/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,242/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,859
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,902
−HK$1,057/mo
Today · 4.125%
HK$40,959
baseline
▲ 0.50% · 4.625%
HK$43,118
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,918/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,910
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,307
−HK$1,420/mo
Today · 4.125%
HK$47,727
baseline
▲ 0.50% · 4.625%
HK$50,631
+HK$2,904/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,454/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,962
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,302
−HK$1,359/mo
Today · 4.125%
HK$52,661
baseline
▲ 0.50% · 4.625%
HK$55,437
+HK$2,776/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,322/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$410,318 · Scale 2, in force from 26 Feb 2026)