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$24,778
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,549
−HK$783/mo
Today · 4.125%
HK$26,332
baseline
▲ 0.50% · 4.625%
HK$27,934
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,664/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,566
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,305
−HK$750/mo
Today · 4.125%
HK$29,055
baseline
▲ 0.50% · 4.625%
HK$30,586
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,110/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,734
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,659
−HK$940/mo
Today · 4.125%
HK$31,599
baseline
▲ 0.50% · 4.625%
HK$33,521
+HK$1,922/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,198/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,079
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,966
−HK$900/mo
Today · 4.125%
HK$34,866
baseline
▲ 0.50% · 4.625%
HK$36,704
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,732/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,690
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,769
−HK$1,096/mo
Today · 4.125%
HK$36,865
baseline
▲ 0.50% · 4.625%
HK$39,108
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,730/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,592
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,627
−HK$1,050/mo
Today · 4.125%
HK$40,677
baseline
▲ 0.50% · 4.625%
HK$42,821
+HK$2,144/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,354/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,601
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,988
−HK$1,410/mo
Today · 4.125%
HK$47,398
baseline
▲ 0.50% · 4.625%
HK$50,282
+HK$2,884/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,796/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,618
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,949
−HK$1,350/mo
Today · 4.125%
HK$52,299
baseline
▲ 0.50% · 4.625%
HK$55,056
+HK$2,757/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,598/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,493 · Scale 2, in force from 26 Feb 2026)