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$24,796
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,568
−HK$783/mo
Today · 4.125%
HK$26,351
baseline
▲ 0.50% · 4.625%
HK$27,955
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,702/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,586
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,326
−HK$750/mo
Today · 4.125%
HK$29,076
baseline
▲ 0.50% · 4.625%
HK$30,609
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,152/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,756
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,681
−HK$941/mo
Today · 4.125%
HK$31,622
baseline
▲ 0.50% · 4.625%
HK$33,546
+HK$1,924/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,244/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,103
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,991
−HK$900/mo
Today · 4.125%
HK$34,891
baseline
▲ 0.50% · 4.625%
HK$36,730
+HK$1,839/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,782/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,715
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,795
−HK$1,097/mo
Today · 4.125%
HK$36,892
baseline
▲ 0.50% · 4.625%
HK$39,137
+HK$2,245/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,784/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,620
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,656
−HK$1,051/mo
Today · 4.125%
HK$40,707
baseline
▲ 0.50% · 4.625%
HK$42,852
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,414/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,633
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,022
−HK$1,410/mo
Today · 4.125%
HK$47,432
baseline
▲ 0.50% · 4.625%
HK$50,319
+HK$2,887/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,864/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,654
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,986
−HK$1,351/mo
Today · 4.125%
HK$52,337
baseline
▲ 0.50% · 4.625%
HK$55,096
+HK$2,759/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,674/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,790 · Scale 2, in force from 26 Feb 2026)