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$24,783
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,554
−HK$784/mo
Today · 4.125%
HK$26,338
baseline
▲ 0.50% · 4.625%
HK$27,940
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,676/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,571
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,311
−HK$750/mo
Today · 4.125%
HK$29,061
baseline
▲ 0.50% · 4.625%
HK$30,593
+HK$1,532/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,122/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,740
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,665
−HK$940/mo
Today · 4.125%
HK$31,605
baseline
▲ 0.50% · 4.625%
HK$33,528
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,210/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,086
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,973
−HK$900/mo
Today · 4.125%
HK$34,873
baseline
▲ 0.50% · 4.625%
HK$36,711
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,746/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,697
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,776
−HK$1,097/mo
Today · 4.125%
HK$36,873
baseline
▲ 0.50% · 4.625%
HK$39,116
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,746/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,600
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,635
−HK$1,050/mo
Today · 4.125%
HK$40,685
baseline
▲ 0.50% · 4.625%
HK$42,830
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,370/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,610
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$45,998
−HK$1,410/mo
Today · 4.125%
HK$47,408
baseline
▲ 0.50% · 4.625%
HK$50,292
+HK$2,884/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,816/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,628
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,959
−HK$1,351/mo
Today · 4.125%
HK$52,310
baseline
▲ 0.50% · 4.625%
HK$55,067
+HK$2,757/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,620/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,576 · Scale 2, in force from 26 Feb 2026)