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$24,736
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,506
−HK$782/mo
Today · 4.125%
HK$26,288
baseline
▲ 0.50% · 4.625%
HK$27,887
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,576/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,519
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,257
−HK$749/mo
Today · 4.125%
HK$29,006
baseline
▲ 0.50% · 4.625%
HK$30,535
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,012/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,684
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,607
−HK$938/mo
Today · 4.125%
HK$31,545
baseline
▲ 0.50% · 4.625%
HK$33,465
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,090/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,023
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,909
−HK$898/mo
Today · 4.125%
HK$34,807
baseline
▲ 0.50% · 4.625%
HK$36,642
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,614/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,631
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,708
−HK$1,095/mo
Today · 4.125%
HK$36,803
baseline
▲ 0.50% · 4.625%
HK$39,042
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,606/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,527
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,560
−HK$1,048/mo
Today · 4.125%
HK$40,608
baseline
▲ 0.50% · 4.625%
HK$42,749
+HK$2,141/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,216/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,526
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,911
−HK$1,407/mo
Today · 4.125%
HK$47,318
baseline
▲ 0.50% · 4.625%
HK$50,197
+HK$2,879/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,636/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,534
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,863
−HK$1,347/mo
Today · 4.125%
HK$52,210
baseline
▲ 0.50% · 4.625%
HK$54,963
+HK$2,753/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,420/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,804 · Scale 2, in force from 26 Feb 2026)