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$24,782
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,553
−HK$783/mo
Today · 4.125%
HK$26,336
baseline
▲ 0.50% · 4.625%
HK$27,939
+HK$1,603/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,672/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,570
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,309
−HK$750/mo
Today · 4.125%
HK$29,059
baseline
▲ 0.50% · 4.625%
HK$30,591
+HK$1,532/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,118/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,739
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,664
−HK$939/mo
Today · 4.125%
HK$31,603
baseline
▲ 0.50% · 4.625%
HK$33,526
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,206/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,084
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,971
−HK$900/mo
Today · 4.125%
HK$34,871
baseline
▲ 0.50% · 4.625%
HK$36,709
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,742/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,695
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,774
−HK$1,097/mo
Today · 4.125%
HK$36,871
baseline
▲ 0.50% · 4.625%
HK$39,114
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,742/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,598
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,633
−HK$1,050/mo
Today · 4.125%
HK$40,683
baseline
▲ 0.50% · 4.625%
HK$42,828
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,366/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,608
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,995
−HK$1,410/mo
Today · 4.125%
HK$47,405
baseline
▲ 0.50% · 4.625%
HK$50,290
+HK$2,885/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,810/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,626
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,957
−HK$1,350/mo
Today · 4.125%
HK$52,307
baseline
▲ 0.50% · 4.625%
HK$55,064
+HK$2,757/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,614/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,556 · Scale 2, in force from 26 Feb 2026)