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$24,749
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,519
−HK$782/mo
Today · 4.125%
HK$26,301
baseline
▲ 0.50% · 4.625%
HK$27,901
+HK$1,600/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,602/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,533
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,271
−HK$750/mo
Today · 4.125%
HK$29,021
baseline
▲ 0.50% · 4.625%
HK$30,550
+HK$1,529/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,042/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,699
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,623
−HK$938/mo
Today · 4.125%
HK$31,561
baseline
▲ 0.50% · 4.625%
HK$33,482
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,122/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,040
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,926
−HK$899/mo
Today · 4.125%
HK$34,825
baseline
▲ 0.50% · 4.625%
HK$36,660
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,650/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,649
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,726
−HK$1,095/mo
Today · 4.125%
HK$36,821
baseline
▲ 0.50% · 4.625%
HK$39,062
+HK$2,241/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,642/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,546
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,580
−HK$1,049/mo
Today · 4.125%
HK$40,629
baseline
▲ 0.50% · 4.625%
HK$42,770
+HK$2,141/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,258/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,548
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,934
−HK$1,408/mo
Today · 4.125%
HK$47,342
baseline
▲ 0.50% · 4.625%
HK$50,222
+HK$2,880/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,684/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,559
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,889
−HK$1,348/mo
Today · 4.125%
HK$52,237
baseline
▲ 0.50% · 4.625%
HK$54,990
+HK$2,753/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,474/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,010 · Scale 2, in force from 26 Feb 2026)