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$24,784
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,555
−HK$784/mo
Today · 4.125%
HK$26,339
baseline
▲ 0.50% · 4.625%
HK$27,941
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,678/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,572
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,312
−HK$750/mo
Today · 4.125%
HK$29,062
baseline
▲ 0.50% · 4.625%
HK$30,594
+HK$1,532/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,124/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,741
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,667
−HK$939/mo
Today · 4.125%
HK$31,606
baseline
▲ 0.50% · 4.625%
HK$33,530
+HK$1,924/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,212/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,087
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,974
−HK$901/mo
Today · 4.125%
HK$34,875
baseline
▲ 0.50% · 4.625%
HK$36,713
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,750/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,698
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,778
−HK$1,096/mo
Today · 4.125%
HK$36,874
baseline
▲ 0.50% · 4.625%
HK$39,118
+HK$2,244/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,748/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,601
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,637
−HK$1,050/mo
Today · 4.125%
HK$40,687
baseline
▲ 0.50% · 4.625%
HK$42,832
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,374/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,612
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,000
−HK$1,410/mo
Today · 4.125%
HK$47,410
baseline
▲ 0.50% · 4.625%
HK$50,294
+HK$2,884/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,820/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,630
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,962
−HK$1,350/mo
Today · 4.125%
HK$52,312
baseline
▲ 0.50% · 4.625%
HK$55,069
+HK$2,757/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,624/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,594 · Scale 2, in force from 26 Feb 2026)