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$24,802
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,574
−HK$784/mo
Today · 4.125%
HK$26,358
baseline
▲ 0.50% · 4.625%
HK$27,961
+HK$1,603/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,716/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,592
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,332
−HK$751/mo
Today · 4.125%
HK$29,083
baseline
▲ 0.50% · 4.625%
HK$30,616
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,166/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,763
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,689
−HK$940/mo
Today · 4.125%
HK$31,629
baseline
▲ 0.50% · 4.625%
HK$33,554
+HK$1,925/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,258/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,111
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,999
−HK$901/mo
Today · 4.125%
HK$34,900
baseline
▲ 0.50% · 4.625%
HK$36,739
+HK$1,839/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,800/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,723
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,803
−HK$1,098/mo
Today · 4.125%
HK$36,901
baseline
▲ 0.50% · 4.625%
HK$39,146
+HK$2,245/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,802/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,629
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,665
−HK$1,051/mo
Today · 4.125%
HK$40,716
baseline
▲ 0.50% · 4.625%
HK$42,863
+HK$2,147/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,432/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,644
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,033
−HK$1,411/mo
Today · 4.125%
HK$47,444
baseline
▲ 0.50% · 4.625%
HK$50,331
+HK$2,887/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,888/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,666
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$50,998
−HK$1,352/mo
Today · 4.125%
HK$52,350
baseline
▲ 0.50% · 4.625%
HK$55,109
+HK$2,759/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,700/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,888 · Scale 2, in force from 26 Feb 2026)