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$24,772
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,543
−HK$782/mo
Today · 4.125%
HK$26,325
baseline
▲ 0.50% · 4.625%
HK$27,927
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,650/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,559
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,298
−HK$750/mo
Today · 4.125%
HK$29,048
baseline
▲ 0.50% · 4.625%
HK$30,579
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,096/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,726
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,651
−HK$940/mo
Today · 4.125%
HK$31,591
baseline
▲ 0.50% · 4.625%
HK$33,513
+HK$1,922/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,182/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,070
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,957
−HK$900/mo
Today · 4.125%
HK$34,857
baseline
▲ 0.50% · 4.625%
HK$36,694
+HK$1,837/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,714/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,681
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,760
−HK$1,096/mo
Today · 4.125%
HK$36,856
baseline
▲ 0.50% · 4.625%
HK$39,098
+HK$2,242/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,712/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,582
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,617
−HK$1,050/mo
Today · 4.125%
HK$40,667
baseline
▲ 0.50% · 4.625%
HK$42,810
+HK$2,143/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,334/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,590
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,977
−HK$1,409/mo
Today · 4.125%
HK$47,386
baseline
▲ 0.50% · 4.625%
HK$50,269
+HK$2,883/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,772/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,606
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,936
−HK$1,350/mo
Today · 4.125%
HK$52,286
baseline
▲ 0.50% · 4.625%
HK$55,042
+HK$2,756/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,572/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,389 · Scale 2, in force from 26 Feb 2026)