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$24,779
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,549
−HK$784/mo
Today · 4.125%
HK$26,333
baseline
▲ 0.50% · 4.625%
HK$27,935
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,666/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,499 · 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$30,587
+HK$1,532/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$407,499 · 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$33,522
+HK$1,923/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$407,499 · 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$407,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,690
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,769
−HK$1,097/mo
Today · 4.125%
HK$36,866
baseline
▲ 0.50% · 4.625%
HK$39,109
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,732/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,499 · 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$42,822
+HK$2,145/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$407,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,602
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,989
−HK$1,410/mo
Today · 4.125%
HK$47,399
baseline
▲ 0.50% · 4.625%
HK$50,283
+HK$2,884/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,798/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,619
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,950
−HK$1,350/mo
Today · 4.125%
HK$52,300
baseline
▲ 0.50% · 4.625%
HK$55,056
+HK$2,756/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,600/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,499 · Scale 2, in force from 26 Feb 2026)