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$24,775
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,546
−HK$783/mo
Today · 4.125%
HK$26,329
baseline
▲ 0.50% · 4.625%
HK$27,931
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,658/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,562
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,301
−HK$750/mo
Today · 4.125%
HK$29,051
baseline
▲ 0.50% · 4.625%
HK$30,582
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,102/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,730
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,655
−HK$939/mo
Today · 4.125%
HK$31,594
baseline
▲ 0.50% · 4.625%
HK$33,517
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,188/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,074
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,961
−HK$900/mo
Today · 4.125%
HK$34,861
baseline
▲ 0.50% · 4.625%
HK$36,699
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,722/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,685
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,764
−HK$1,096/mo
Today · 4.125%
HK$36,860
baseline
▲ 0.50% · 4.625%
HK$39,103
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,720/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,587
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,622
−HK$1,049/mo
Today · 4.125%
HK$40,671
baseline
▲ 0.50% · 4.625%
HK$42,815
+HK$2,144/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,342/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,595
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,982
−HK$1,410/mo
Today · 4.125%
HK$47,392
baseline
▲ 0.50% · 4.625%
HK$50,275
+HK$2,883/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,784/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,612
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,942
−HK$1,350/mo
Today · 4.125%
HK$52,292
baseline
▲ 0.50% · 4.625%
HK$55,048
+HK$2,756/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,584/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,438 · Scale 2, in force from 26 Feb 2026)