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$24,782
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,553
−HK$783/mo
Today · 4.125%
HK$26,336
baseline
▲ 0.50% · 4.625%
HK$27,939
+HK$1,603/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,672/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,570
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,310
−HK$750/mo
Today · 4.125%
HK$29,060
baseline
▲ 0.50% · 4.625%
HK$30,591
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,120/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,739
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,664
−HK$940/mo
Today · 4.125%
HK$31,604
baseline
▲ 0.50% · 4.625%
HK$33,527
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,208/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,084
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,971
−HK$901/mo
Today · 4.125%
HK$34,872
baseline
▲ 0.50% · 4.625%
HK$36,710
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,744/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,695
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,775
−HK$1,096/mo
Today · 4.125%
HK$36,871
baseline
▲ 0.50% · 4.625%
HK$39,114
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,742/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,598
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,633
−HK$1,050/mo
Today · 4.125%
HK$40,683
baseline
▲ 0.50% · 4.625%
HK$42,828
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,366/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,608
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$45,996
−HK$1,410/mo
Today · 4.125%
HK$47,406
baseline
▲ 0.50% · 4.625%
HK$50,290
+HK$2,884/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,812/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,626
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,957
−HK$1,350/mo
Today · 4.125%
HK$52,307
baseline
▲ 0.50% · 4.625%
HK$55,065
+HK$2,758/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,614/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,559 · Scale 2, in force from 26 Feb 2026)