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$24,740
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,510
−HK$782/mo
Today · 4.125%
HK$26,292
baseline
▲ 0.50% · 4.625%
HK$27,892
+HK$1,600/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,584/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,524
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,262
−HK$749/mo
Today · 4.125%
HK$29,011
baseline
▲ 0.50% · 4.625%
HK$30,540
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,022/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,689
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,612
−HK$938/mo
Today · 4.125%
HK$31,550
baseline
▲ 0.50% · 4.625%
HK$33,470
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,100/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,028
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,914
−HK$899/mo
Today · 4.125%
HK$34,813
baseline
▲ 0.50% · 4.625%
HK$36,648
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,626/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,637
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,714
−HK$1,095/mo
Today · 4.125%
HK$36,809
baseline
▲ 0.50% · 4.625%
HK$39,048
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,618/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,533
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,566
−HK$1,049/mo
Today · 4.125%
HK$40,615
baseline
▲ 0.50% · 4.625%
HK$42,756
+HK$2,141/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,230/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,533
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,918
−HK$1,408/mo
Today · 4.125%
HK$47,326
baseline
▲ 0.50% · 4.625%
HK$50,205
+HK$2,879/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,652/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,542
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,871
−HK$1,348/mo
Today · 4.125%
HK$52,219
baseline
▲ 0.50% · 4.625%
HK$54,972
+HK$2,753/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,438/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,871 · Scale 2, in force from 26 Feb 2026)