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$24,774
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,545
−HK$783/mo
Today · 4.125%
HK$26,328
baseline
▲ 0.50% · 4.625%
HK$27,930
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,656/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,561
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,300
−HK$750/mo
Today · 4.125%
HK$29,050
baseline
▲ 0.50% · 4.625%
HK$30,582
+HK$1,532/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,100/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,729
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,654
−HK$940/mo
Today · 4.125%
HK$31,594
baseline
▲ 0.50% · 4.625%
HK$33,516
+HK$1,922/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$407,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,073
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,960
−HK$900/mo
Today · 4.125%
HK$34,860
baseline
▲ 0.50% · 4.625%
HK$36,698
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,720/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,684
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,763
−HK$1,096/mo
Today · 4.125%
HK$36,859
baseline
▲ 0.50% · 4.625%
HK$39,102
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,718/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,586
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,621
−HK$1,049/mo
Today · 4.125%
HK$40,670
baseline
▲ 0.50% · 4.625%
HK$42,814
+HK$2,144/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,340/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,594
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,981
−HK$1,409/mo
Today · 4.125%
HK$47,390
baseline
▲ 0.50% · 4.625%
HK$50,274
+HK$2,884/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,780/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,610
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,941
−HK$1,349/mo
Today · 4.125%
HK$52,290
baseline
▲ 0.50% · 4.625%
HK$55,047
+HK$2,757/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,580/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,427 · Scale 2, in force from 26 Feb 2026)