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$24,764
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,535
−HK$782/mo
Today · 4.125%
HK$26,317
baseline
▲ 0.50% · 4.625%
HK$27,919
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,634/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,550
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,289
−HK$750/mo
Today · 4.125%
HK$29,039
baseline
▲ 0.50% · 4.625%
HK$30,569
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,078/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,717
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,642
−HK$939/mo
Today · 4.125%
HK$31,581
baseline
▲ 0.50% · 4.625%
HK$33,502
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$63,162/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,060
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,947
−HK$899/mo
Today · 4.125%
HK$34,846
baseline
▲ 0.50% · 4.625%
HK$36,683
+HK$1,837/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$69,692/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,670
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,748
−HK$1,096/mo
Today · 4.125%
HK$36,844
baseline
▲ 0.50% · 4.625%
HK$39,086
+HK$2,242/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,688/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,570
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,605
−HK$1,049/mo
Today · 4.125%
HK$40,654
baseline
▲ 0.50% · 4.625%
HK$42,797
+HK$2,143/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,308/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,576
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,962
−HK$1,409/mo
Today · 4.125%
HK$47,371
baseline
▲ 0.50% · 4.625%
HK$50,254
+HK$2,883/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,742/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,590
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,920
−HK$1,349/mo
Today · 4.125%
HK$52,269
baseline
▲ 0.50% · 4.625%
HK$55,025
+HK$2,756/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,538/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,263 · Scale 2, in force from 26 Feb 2026)