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$24,773
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,543
−HK$783/mo
Today · 4.125%
HK$26,326
baseline
▲ 0.50% · 4.625%
HK$27,928
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,652/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,559
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,298
−HK$750/mo
Today · 4.125%
HK$29,048
baseline
▲ 0.50% · 4.625%
HK$30,579
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,096/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,727
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,652
−HK$939/mo
Today · 4.125%
HK$31,591
baseline
▲ 0.50% · 4.625%
HK$33,514
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,182/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,071
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,958
−HK$900/mo
Today · 4.125%
HK$34,858
baseline
▲ 0.50% · 4.625%
HK$36,695
+HK$1,837/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,716/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,682
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,761
−HK$1,096/mo
Today · 4.125%
HK$36,857
baseline
▲ 0.50% · 4.625%
HK$39,099
+HK$2,242/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,714/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,583
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,618
−HK$1,050/mo
Today · 4.125%
HK$40,668
baseline
▲ 0.50% · 4.625%
HK$42,811
+HK$2,143/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,336/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,591
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,978
−HK$1,409/mo
Today · 4.125%
HK$47,387
baseline
▲ 0.50% · 4.625%
HK$50,270
+HK$2,883/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,774/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,607
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,937
−HK$1,350/mo
Today · 4.125%
HK$52,287
baseline
▲ 0.50% · 4.625%
HK$55,043
+HK$2,756/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,574/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,400 · Scale 2, in force from 26 Feb 2026)