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$24,790
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,561
−HK$784/mo
Today · 4.125%
HK$26,345
baseline
▲ 0.50% · 4.625%
HK$27,948
+HK$1,603/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,690/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,579
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,318
−HK$751/mo
Today · 4.125%
HK$29,069
baseline
▲ 0.50% · 4.625%
HK$30,601
+HK$1,532/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,138/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,748
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,674
−HK$940/mo
Today · 4.125%
HK$31,614
baseline
▲ 0.50% · 4.625%
HK$33,537
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,228/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,095
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,982
−HK$901/mo
Today · 4.125%
HK$34,883
baseline
▲ 0.50% · 4.625%
HK$36,721
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,766/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,706
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,786
−HK$1,097/mo
Today · 4.125%
HK$36,883
baseline
▲ 0.50% · 4.625%
HK$39,127
+HK$2,244/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,766/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,610
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,646
−HK$1,050/mo
Today · 4.125%
HK$40,696
baseline
▲ 0.50% · 4.625%
HK$42,841
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,392/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,622
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,010
−HK$1,411/mo
Today · 4.125%
HK$47,421
baseline
▲ 0.50% · 4.625%
HK$50,306
+HK$2,885/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,842/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,642
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,973
−HK$1,351/mo
Today · 4.125%
HK$52,324
baseline
▲ 0.50% · 4.625%
HK$55,082
+HK$2,758/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,648/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,688 · Scale 2, in force from 26 Feb 2026)