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$24,760
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,530
−HK$782/mo
Today · 4.125%
HK$26,312
baseline
▲ 0.50% · 4.625%
HK$27,914
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,624/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,545
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,284
−HK$749/mo
Today · 4.125%
HK$29,033
baseline
▲ 0.50% · 4.625%
HK$30,564
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,066/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,712
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,636
−HK$939/mo
Today · 4.125%
HK$31,575
baseline
▲ 0.50% · 4.625%
HK$33,496
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$63,150/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,054
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,941
−HK$899/mo
Today · 4.125%
HK$34,840
baseline
▲ 0.50% · 4.625%
HK$36,676
+HK$1,836/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$69,680/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,664
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,742
−HK$1,095/mo
Today · 4.125%
HK$36,837
baseline
▲ 0.50% · 4.625%
HK$39,079
+HK$2,242/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,674/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,563
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,597
−HK$1,050/mo
Today · 4.125%
HK$40,647
baseline
▲ 0.50% · 4.625%
HK$42,789
+HK$2,142/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,294/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,568
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,954
−HK$1,408/mo
Today · 4.125%
HK$47,362
baseline
▲ 0.50% · 4.625%
HK$50,244
+HK$2,882/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,724/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,581
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,911
−HK$1,349/mo
Today · 4.125%
HK$52,260
baseline
▲ 0.50% · 4.625%
HK$55,014
+HK$2,754/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,520/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,189 · Scale 2, in force from 26 Feb 2026)