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$24,762
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,532
−HK$783/mo
Today · 4.125%
HK$26,315
baseline
▲ 0.50% · 4.625%
HK$27,916
+HK$1,601/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,630/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,548
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,286
−HK$750/mo
Today · 4.125%
HK$29,036
baseline
▲ 0.50% · 4.625%
HK$30,566
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,072/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,715
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,639
−HK$939/mo
Today · 4.125%
HK$31,578
baseline
▲ 0.50% · 4.625%
HK$33,499
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$63,156/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,057
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,944
−HK$899/mo
Today · 4.125%
HK$34,843
baseline
▲ 0.50% · 4.625%
HK$36,680
+HK$1,837/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$69,686/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,667
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,745
−HK$1,096/mo
Today · 4.125%
HK$36,841
baseline
▲ 0.50% · 4.625%
HK$39,083
+HK$2,242/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,682/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,567
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,601
−HK$1,049/mo
Today · 4.125%
HK$40,650
baseline
▲ 0.50% · 4.625%
HK$42,793
+HK$2,143/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,300/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,572
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,958
−HK$1,409/mo
Today · 4.125%
HK$47,367
baseline
▲ 0.50% · 4.625%
HK$50,249
+HK$2,882/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,734/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,586
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,916
−HK$1,349/mo
Today · 4.125%
HK$52,265
baseline
▲ 0.50% · 4.625%
HK$55,020
+HK$2,755/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,530/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,227 · Scale 2, in force from 26 Feb 2026)