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$24,796
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,567
−HK$784/mo
Today · 4.125%
HK$26,351
baseline
▲ 0.50% · 4.625%
HK$27,954
+HK$1,603/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,702/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,585
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,325
−HK$751/mo
Today · 4.125%
HK$29,076
baseline
▲ 0.50% · 4.625%
HK$30,608
+HK$1,532/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,152/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,755
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,681
−HK$940/mo
Today · 4.125%
HK$31,621
baseline
▲ 0.50% · 4.625%
HK$33,545
+HK$1,924/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,242/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,102
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,990
−HK$901/mo
Today · 4.125%
HK$34,891
baseline
▲ 0.50% · 4.625%
HK$36,730
+HK$1,839/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,782/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,714
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,794
−HK$1,097/mo
Today · 4.125%
HK$36,891
baseline
▲ 0.50% · 4.625%
HK$39,136
+HK$2,245/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,782/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,619
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,655
−HK$1,051/mo
Today · 4.125%
HK$40,706
baseline
▲ 0.50% · 4.625%
HK$42,852
+HK$2,146/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,412/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,633
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,021
−HK$1,411/mo
Today · 4.125%
HK$47,432
baseline
▲ 0.50% · 4.625%
HK$50,318
+HK$2,886/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,864/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,654
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,985
−HK$1,351/mo
Today · 4.125%
HK$52,336
baseline
▲ 0.50% · 4.625%
HK$55,095
+HK$2,759/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,672/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,784 · Scale 2, in force from 26 Feb 2026)