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$24,744
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,514
−HK$782/mo
Today · 4.125%
HK$26,296
baseline
▲ 0.50% · 4.625%
HK$27,896
+HK$1,600/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,592/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,528
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,266
−HK$749/mo
Today · 4.125%
HK$29,015
baseline
▲ 0.50% · 4.625%
HK$30,545
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,030/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,693
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,617
−HK$938/mo
Today · 4.125%
HK$31,555
baseline
▲ 0.50% · 4.625%
HK$33,475
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,110/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,034
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,919
−HK$899/mo
Today · 4.125%
HK$34,818
baseline
▲ 0.50% · 4.625%
HK$36,654
+HK$1,836/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,636/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,642
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,720
−HK$1,095/mo
Today · 4.125%
HK$36,815
baseline
▲ 0.50% · 4.625%
HK$39,055
+HK$2,240/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,630/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,539
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,573
−HK$1,048/mo
Today · 4.125%
HK$40,621
baseline
▲ 0.50% · 4.625%
HK$42,762
+HK$2,141/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,242/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,540
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,925
−HK$1,408/mo
Today · 4.125%
HK$47,333
baseline
▲ 0.50% · 4.625%
HK$50,213
+HK$2,880/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,666/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,550
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,879
−HK$1,348/mo
Today · 4.125%
HK$52,227
baseline
▲ 0.50% · 4.625%
HK$54,980
+HK$2,753/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,454/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,936 · Scale 2, in force from 26 Feb 2026)