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$24,735
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,504
−HK$782/mo
Today · 4.125%
HK$26,286
baseline
▲ 0.50% · 4.625%
HK$27,885
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,572/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,517
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,255
−HK$749/mo
Today · 4.125%
HK$29,004
baseline
▲ 0.50% · 4.625%
HK$30,533
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,008/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,682
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,605
−HK$938/mo
Today · 4.125%
HK$31,543
baseline
▲ 0.50% · 4.625%
HK$33,462
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,086/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,020
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,906
−HK$898/mo
Today · 4.125%
HK$34,804
baseline
▲ 0.50% · 4.625%
HK$36,639
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,608/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,629
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,706
−HK$1,094/mo
Today · 4.125%
HK$36,800
baseline
▲ 0.50% · 4.625%
HK$39,039
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,600/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,524
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,557
−HK$1,048/mo
Today · 4.125%
HK$40,605
baseline
▲ 0.50% · 4.625%
HK$42,746
+HK$2,141/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,210/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,522
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,907
−HK$1,407/mo
Today · 4.125%
HK$47,314
baseline
▲ 0.50% · 4.625%
HK$50,193
+HK$2,879/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,628/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,531
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,859
−HK$1,348/mo
Today · 4.125%
HK$52,207
baseline
▲ 0.50% · 4.625%
HK$54,959
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,414/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,775 · Scale 2, in force from 26 Feb 2026)