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$24,746
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,515
−HK$782/mo
Today · 4.125%
HK$26,297
baseline
▲ 0.50% · 4.625%
HK$27,898
+HK$1,601/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,594/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,529
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,268
−HK$749/mo
Today · 4.125%
HK$29,017
baseline
▲ 0.50% · 4.625%
HK$30,546
+HK$1,529/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,034/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,695
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,619
−HK$938/mo
Today · 4.125%
HK$31,557
baseline
▲ 0.50% · 4.625%
HK$33,477
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,114/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,035
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,921
−HK$899/mo
Today · 4.125%
HK$34,820
baseline
▲ 0.50% · 4.625%
HK$36,655
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,640/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,644
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,722
−HK$1,094/mo
Today · 4.125%
HK$36,816
baseline
▲ 0.50% · 4.625%
HK$39,057
+HK$2,241/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,632/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,541
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,575
−HK$1,048/mo
Today · 4.125%
HK$40,623
baseline
▲ 0.50% · 4.625%
HK$42,765
+HK$2,142/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,246/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,542
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,928
−HK$1,407/mo
Today · 4.125%
HK$47,335
baseline
▲ 0.50% · 4.625%
HK$50,216
+HK$2,881/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,670/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,553
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,882
−HK$1,348/mo
Today · 4.125%
HK$52,230
baseline
▲ 0.50% · 4.625%
HK$54,983
+HK$2,753/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,460/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,957 · Scale 2, in force from 26 Feb 2026)