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$24,784
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,555
−HK$783/mo
Today · 4.125%
HK$26,338
baseline
▲ 0.50% · 4.625%
HK$27,941
+HK$1,603/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,676/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,572
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,311
−HK$751/mo
Today · 4.125%
HK$29,062
baseline
▲ 0.50% · 4.625%
HK$30,593
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,124/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,741
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,666
−HK$940/mo
Today · 4.125%
HK$31,606
baseline
▲ 0.50% · 4.625%
HK$33,529
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,212/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,086
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,974
−HK$900/mo
Today · 4.125%
HK$34,874
baseline
▲ 0.50% · 4.625%
HK$36,712
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,748/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,698
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,777
−HK$1,096/mo
Today · 4.125%
HK$36,873
baseline
▲ 0.50% · 4.625%
HK$39,117
+HK$2,244/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,746/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,601
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,636
−HK$1,050/mo
Today · 4.125%
HK$40,686
baseline
▲ 0.50% · 4.625%
HK$42,831
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,372/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,611
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$45,999
−HK$1,410/mo
Today · 4.125%
HK$47,409
baseline
▲ 0.50% · 4.625%
HK$50,293
+HK$2,884/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,818/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,630
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,961
−HK$1,350/mo
Today · 4.125%
HK$52,311
baseline
▲ 0.50% · 4.625%
HK$55,068
+HK$2,757/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,622/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,587 · Scale 2, in force from 26 Feb 2026)