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$24,752
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,522
−HK$782/mo
Today · 4.125%
HK$26,304
baseline
▲ 0.50% · 4.625%
HK$27,905
+HK$1,601/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,608/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,536
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,275
−HK$749/mo
Today · 4.125%
HK$29,024
baseline
▲ 0.50% · 4.625%
HK$30,554
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,048/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,702
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,626
−HK$939/mo
Today · 4.125%
HK$31,565
baseline
▲ 0.50% · 4.625%
HK$33,486
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,130/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,044
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,930
−HK$899/mo
Today · 4.125%
HK$34,829
baseline
▲ 0.50% · 4.625%
HK$36,665
+HK$1,836/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,658/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,653
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,731
−HK$1,095/mo
Today · 4.125%
HK$36,826
baseline
▲ 0.50% · 4.625%
HK$39,066
+HK$2,240/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,652/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,551
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,585
−HK$1,049/mo
Today · 4.125%
HK$40,634
baseline
▲ 0.50% · 4.625%
HK$42,775
+HK$2,141/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,268/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,553
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,939
−HK$1,408/mo
Today · 4.125%
HK$47,347
baseline
▲ 0.50% · 4.625%
HK$50,228
+HK$2,881/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,694/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,565
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,895
−HK$1,348/mo
Today · 4.125%
HK$52,243
baseline
▲ 0.50% · 4.625%
HK$54,997
+HK$2,754/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,486/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,059 · Scale 2, in force from 26 Feb 2026)