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$24,740
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,509
−HK$782/mo
Today · 4.125%
HK$26,291
baseline
▲ 0.50% · 4.625%
HK$27,891
+HK$1,600/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,582/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,522
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,261
−HK$748/mo
Today · 4.125%
HK$29,009
baseline
▲ 0.50% · 4.625%
HK$30,539
+HK$1,530/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,018/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,687
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,611
−HK$938/mo
Today · 4.125%
HK$31,549
baseline
▲ 0.50% · 4.625%
HK$33,469
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,098/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,027
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,913
−HK$898/mo
Today · 4.125%
HK$34,811
baseline
▲ 0.50% · 4.625%
HK$36,646
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,622/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,635
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,713
−HK$1,094/mo
Today · 4.125%
HK$36,807
baseline
▲ 0.50% · 4.625%
HK$39,047
+HK$2,240/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,614/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,531
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,565
−HK$1,048/mo
Today · 4.125%
HK$40,613
baseline
▲ 0.50% · 4.625%
HK$42,754
+HK$2,141/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,226/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,531
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,916
−HK$1,408/mo
Today · 4.125%
HK$47,324
baseline
▲ 0.50% · 4.625%
HK$50,203
+HK$2,879/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,648/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,540
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,869
−HK$1,348/mo
Today · 4.125%
HK$52,217
baseline
▲ 0.50% · 4.625%
HK$54,969
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,434/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,855 · Scale 2, in force from 26 Feb 2026)