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$24,792
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,564
−HK$783/mo
Today · 4.125%
HK$26,347
baseline
▲ 0.50% · 4.625%
HK$27,950
+HK$1,603/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,694/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,581
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,321
−HK$750/mo
Today · 4.125%
HK$29,071
baseline
▲ 0.50% · 4.625%
HK$30,604
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,142/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,751
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,676
−HK$941/mo
Today · 4.125%
HK$31,617
baseline
▲ 0.50% · 4.625%
HK$33,540
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,234/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,098
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,985
−HK$901/mo
Today · 4.125%
HK$34,886
baseline
▲ 0.50% · 4.625%
HK$36,725
+HK$1,839/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,772/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,709
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,789
−HK$1,097/mo
Today · 4.125%
HK$36,886
baseline
▲ 0.50% · 4.625%
HK$39,130
+HK$2,244/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,772/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,614
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,649
−HK$1,051/mo
Today · 4.125%
HK$40,700
baseline
▲ 0.50% · 4.625%
HK$42,845
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,400/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,626
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,015
−HK$1,410/mo
Today · 4.125%
HK$47,425
baseline
▲ 0.50% · 4.625%
HK$50,311
+HK$2,886/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,850/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,646
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,978
−HK$1,351/mo
Today · 4.125%
HK$52,329
baseline
▲ 0.50% · 4.625%
HK$55,087
+HK$2,758/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,658/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,725 · Scale 2, in force from 26 Feb 2026)