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$24,789
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,560
−HK$783/mo
Today · 4.125%
HK$26,343
baseline
▲ 0.50% · 4.625%
HK$27,946
+HK$1,603/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,686/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,577
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,317
−HK$750/mo
Today · 4.125%
HK$29,067
baseline
▲ 0.50% · 4.625%
HK$30,599
+HK$1,532/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,134/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,746
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,672
−HK$940/mo
Today · 4.125%
HK$31,612
baseline
▲ 0.50% · 4.625%
HK$33,535
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,224/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,093
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,980
−HK$901/mo
Today · 4.125%
HK$34,881
baseline
▲ 0.50% · 4.625%
HK$36,719
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,762/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,704
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,784
−HK$1,096/mo
Today · 4.125%
HK$36,880
baseline
▲ 0.50% · 4.625%
HK$39,125
+HK$2,245/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,760/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,608
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,644
−HK$1,050/mo
Today · 4.125%
HK$40,694
baseline
▲ 0.50% · 4.625%
HK$42,839
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,388/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,620
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,008
−HK$1,410/mo
Today · 4.125%
HK$47,418
baseline
▲ 0.50% · 4.625%
HK$50,303
+HK$2,885/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,836/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,639
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,970
−HK$1,351/mo
Today · 4.125%
HK$52,321
baseline
▲ 0.50% · 4.625%
HK$55,079
+HK$2,758/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,642/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,664 · Scale 2, in force from 26 Feb 2026)