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$24,794
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,566
−HK$783/mo
Today · 4.125%
HK$26,349
baseline
▲ 0.50% · 4.625%
HK$27,953
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,698/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,584
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,323
−HK$751/mo
Today · 4.125%
HK$29,074
baseline
▲ 0.50% · 4.625%
HK$30,606
+HK$1,532/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,148/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,753
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,679
−HK$940/mo
Today · 4.125%
HK$31,619
baseline
▲ 0.50% · 4.625%
HK$33,543
+HK$1,924/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,238/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,100
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,988
−HK$901/mo
Today · 4.125%
HK$34,889
baseline
▲ 0.50% · 4.625%
HK$36,728
+HK$1,839/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,778/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,712
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,792
−HK$1,097/mo
Today · 4.125%
HK$36,889
baseline
▲ 0.50% · 4.625%
HK$39,134
+HK$2,245/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,778/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,617
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,653
−HK$1,050/mo
Today · 4.125%
HK$40,703
baseline
▲ 0.50% · 4.625%
HK$42,849
+HK$2,146/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,406/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,630
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,018
−HK$1,411/mo
Today · 4.125%
HK$47,429
baseline
▲ 0.50% · 4.625%
HK$50,315
+HK$2,886/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,858/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,650
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,982
−HK$1,351/mo
Today · 4.125%
HK$52,333
baseline
▲ 0.50% · 4.625%
HK$55,091
+HK$2,758/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,666/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,757 · Scale 2, in force from 26 Feb 2026)