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$24,812
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,584
−HK$784/mo
Today · 4.125%
HK$26,368
baseline
▲ 0.50% · 4.625%
HK$27,973
+HK$1,605/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,736/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,604
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,344
−HK$751/mo
Today · 4.125%
HK$29,095
baseline
▲ 0.50% · 4.625%
HK$30,628
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,190/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,775
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,701
−HK$941/mo
Today · 4.125%
HK$31,642
baseline
▲ 0.50% · 4.625%
HK$33,567
+HK$1,925/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,284/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,124
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,013
−HK$901/mo
Today · 4.125%
HK$34,914
baseline
▲ 0.50% · 4.625%
HK$36,754
+HK$1,840/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,828/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,737
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,818
−HK$1,098/mo
Today · 4.125%
HK$36,916
baseline
▲ 0.50% · 4.625%
HK$39,162
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,832/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,645
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,681
−HK$1,052/mo
Today · 4.125%
HK$40,733
baseline
▲ 0.50% · 4.625%
HK$42,880
+HK$2,147/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,466/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,662
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,052
−HK$1,411/mo
Today · 4.125%
HK$47,463
baseline
▲ 0.50% · 4.625%
HK$50,351
+HK$2,888/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,926/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,686
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,019
−HK$1,352/mo
Today · 4.125%
HK$52,371
baseline
▲ 0.50% · 4.625%
HK$55,131
+HK$2,760/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,742/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,053 · Scale 2, in force from 26 Feb 2026)