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$24,811
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,582
−HK$785/mo
Today · 4.125%
HK$26,367
baseline
▲ 0.50% · 4.625%
HK$27,971
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,734/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,602
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,342
−HK$751/mo
Today · 4.125%
HK$29,093
baseline
▲ 0.50% · 4.625%
HK$30,626
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,186/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,773
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,699
−HK$941/mo
Today · 4.125%
HK$31,640
baseline
▲ 0.50% · 4.625%
HK$33,565
+HK$1,925/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,280/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,122
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,010
−HK$902/mo
Today · 4.125%
HK$34,912
baseline
▲ 0.50% · 4.625%
HK$36,752
+HK$1,840/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,824/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,735
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,815
−HK$1,098/mo
Today · 4.125%
HK$36,913
baseline
▲ 0.50% · 4.625%
HK$39,159
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,826/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,642
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,679
−HK$1,051/mo
Today · 4.125%
HK$40,730
baseline
▲ 0.50% · 4.625%
HK$42,877
+HK$2,147/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,460/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,659
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,048
−HK$1,412/mo
Today · 4.125%
HK$47,460
baseline
▲ 0.50% · 4.625%
HK$50,348
+HK$2,888/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,920/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,683
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,016
−HK$1,351/mo
Today · 4.125%
HK$52,367
baseline
▲ 0.50% · 4.625%
HK$55,128
+HK$2,761/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,734/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,026 · Scale 2, in force from 26 Feb 2026)