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$24,722
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,491
−HK$781/mo
Today · 4.125%
HK$26,272
baseline
▲ 0.50% · 4.625%
HK$27,871
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,544/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,503
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,241
−HK$748/mo
Today · 4.125%
HK$28,989
baseline
▲ 0.50% · 4.625%
HK$30,517
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,978/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,667
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,589
−HK$938/mo
Today · 4.125%
HK$31,527
baseline
▲ 0.50% · 4.625%
HK$33,445
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,054/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,004
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,889
−HK$898/mo
Today · 4.125%
HK$34,787
baseline
▲ 0.50% · 4.625%
HK$36,620
+HK$1,833/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,574/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,611
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,688
−HK$1,093/mo
Today · 4.125%
HK$36,781
baseline
▲ 0.50% · 4.625%
HK$39,019
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,562/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,504
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,537
−HK$1,048/mo
Today · 4.125%
HK$40,585
baseline
▲ 0.50% · 4.625%
HK$42,724
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,170/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,500
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,884
−HK$1,406/mo
Today · 4.125%
HK$47,290
baseline
▲ 0.50% · 4.625%
HK$50,168
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,580/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,506
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,833
−HK$1,347/mo
Today · 4.125%
HK$52,180
baseline
▲ 0.50% · 4.625%
HK$54,931
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,360/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,568 · Scale 2, in force from 26 Feb 2026)