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$24,799
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,570
−HK$784/mo
Today · 4.125%
HK$26,354
baseline
▲ 0.50% · 4.625%
HK$27,958
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,708/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,589
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,329
−HK$750/mo
Today · 4.125%
HK$29,079
baseline
▲ 0.50% · 4.625%
HK$30,612
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,158/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,759
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,684
−HK$941/mo
Today · 4.125%
HK$31,625
baseline
▲ 0.50% · 4.625%
HK$33,549
+HK$1,924/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,250/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,106
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,994
−HK$901/mo
Today · 4.125%
HK$34,895
baseline
▲ 0.50% · 4.625%
HK$36,734
+HK$1,839/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,790/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,719
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,799
−HK$1,097/mo
Today · 4.125%
HK$36,896
baseline
▲ 0.50% · 4.625%
HK$39,141
+HK$2,245/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,792/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,624
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,660
−HK$1,051/mo
Today · 4.125%
HK$40,711
baseline
▲ 0.50% · 4.625%
HK$42,857
+HK$2,146/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,422/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,638
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,027
−HK$1,410/mo
Today · 4.125%
HK$47,437
baseline
▲ 0.50% · 4.625%
HK$50,324
+HK$2,887/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,874/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,660
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,991
−HK$1,352/mo
Today · 4.125%
HK$52,343
baseline
▲ 0.50% · 4.625%
HK$55,102
+HK$2,759/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,686/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,833 · Scale 2, in force from 26 Feb 2026)