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$24,750
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,520
−HK$782/mo
Today · 4.125%
HK$26,302
baseline
▲ 0.50% · 4.625%
HK$27,902
+HK$1,600/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,604/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,534
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,272
−HK$750/mo
Today · 4.125%
HK$29,022
baseline
▲ 0.50% · 4.625%
HK$30,551
+HK$1,529/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,044/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,700
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,624
−HK$938/mo
Today · 4.125%
HK$31,562
baseline
▲ 0.50% · 4.625%
HK$33,483
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,124/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,041
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,927
−HK$899/mo
Today · 4.125%
HK$34,826
baseline
▲ 0.50% · 4.625%
HK$36,662
+HK$1,836/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,652/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,650
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,728
−HK$1,095/mo
Today · 4.125%
HK$36,823
baseline
▲ 0.50% · 4.625%
HK$39,063
+HK$2,240/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,646/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,548
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,581
−HK$1,049/mo
Today · 4.125%
HK$40,630
baseline
▲ 0.50% · 4.625%
HK$42,772
+HK$2,142/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,260/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,550
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,936
−HK$1,407/mo
Today · 4.125%
HK$47,343
baseline
▲ 0.50% · 4.625%
HK$50,224
+HK$2,881/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,686/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,561
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,890
−HK$1,349/mo
Today · 4.125%
HK$52,239
baseline
▲ 0.50% · 4.625%
HK$54,992
+HK$2,753/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,478/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,025 · Scale 2, in force from 26 Feb 2026)