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$24,786
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,557
−HK$783/mo
Today · 4.125%
HK$26,340
baseline
▲ 0.50% · 4.625%
HK$27,943
+HK$1,603/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,680/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,574
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,314
−HK$750/mo
Today · 4.125%
HK$29,064
baseline
▲ 0.50% · 4.625%
HK$30,596
+HK$1,532/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,128/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,743
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,668
−HK$940/mo
Today · 4.125%
HK$31,608
baseline
▲ 0.50% · 4.625%
HK$33,532
+HK$1,924/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,216/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,089
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,976
−HK$901/mo
Today · 4.125%
HK$34,877
baseline
▲ 0.50% · 4.625%
HK$36,715
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,754/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,700
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,780
−HK$1,096/mo
Today · 4.125%
HK$36,876
baseline
▲ 0.50% · 4.625%
HK$39,120
+HK$2,244/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,752/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,604
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,639
−HK$1,050/mo
Today · 4.125%
HK$40,689
baseline
▲ 0.50% · 4.625%
HK$42,834
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,378/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,615
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$46,002
−HK$1,410/mo
Today · 4.125%
HK$47,412
baseline
▲ 0.50% · 4.625%
HK$50,297
+HK$2,885/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,824/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,633
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,965
−HK$1,350/mo
Today · 4.125%
HK$52,315
baseline
▲ 0.50% · 4.625%
HK$55,073
+HK$2,758/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,630/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,618 · Scale 2, in force from 26 Feb 2026)