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$24,735
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,505
−HK$782/mo
Today · 4.125%
HK$26,287
baseline
▲ 0.50% · 4.625%
HK$27,886
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,574/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,518
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,256
−HK$749/mo
Today · 4.125%
HK$29,005
baseline
▲ 0.50% · 4.625%
HK$30,534
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,010/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,683
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,606
−HK$938/mo
Today · 4.125%
HK$31,544
baseline
▲ 0.50% · 4.625%
HK$33,463
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,088/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,022
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,907
−HK$899/mo
Today · 4.125%
HK$34,806
baseline
▲ 0.50% · 4.625%
HK$36,640
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,612/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,630
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,707
−HK$1,094/mo
Today · 4.125%
HK$36,801
baseline
▲ 0.50% · 4.625%
HK$39,040
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,602/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,525
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,558
−HK$1,049/mo
Today · 4.125%
HK$40,607
baseline
▲ 0.50% · 4.625%
HK$42,747
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,214/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,524
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,909
−HK$1,407/mo
Today · 4.125%
HK$47,316
baseline
▲ 0.50% · 4.625%
HK$50,195
+HK$2,879/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,632/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,532
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,861
−HK$1,347/mo
Today · 4.125%
HK$52,208
baseline
▲ 0.50% · 4.625%
HK$54,960
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,416/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,788 · Scale 2, in force from 26 Feb 2026)