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$24,738
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,507
−HK$782/mo
Today · 4.125%
HK$26,289
baseline
▲ 0.50% · 4.625%
HK$27,888
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,578/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,520
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,258
−HK$749/mo
Today · 4.125%
HK$29,007
baseline
▲ 0.50% · 4.625%
HK$30,536
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,014/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,685
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,608
−HK$939/mo
Today · 4.125%
HK$31,547
baseline
▲ 0.50% · 4.625%
HK$33,466
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,094/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,024
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,910
−HK$899/mo
Today · 4.125%
HK$34,809
baseline
▲ 0.50% · 4.625%
HK$36,643
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,618/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,633
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,710
−HK$1,094/mo
Today · 4.125%
HK$36,804
baseline
▲ 0.50% · 4.625%
HK$39,044
+HK$2,240/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,608/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,528
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,562
−HK$1,048/mo
Today · 4.125%
HK$40,610
baseline
▲ 0.50% · 4.625%
HK$42,751
+HK$2,141/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,220/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,528
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,913
−HK$1,407/mo
Today · 4.125%
HK$47,320
baseline
▲ 0.50% · 4.625%
HK$50,199
+HK$2,879/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,640/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,536
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,865
−HK$1,348/mo
Today · 4.125%
HK$52,213
baseline
▲ 0.50% · 4.625%
HK$54,965
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,426/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,822 · Scale 2, in force from 26 Feb 2026)