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$24,775
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,546
−HK$783/mo
Today · 4.125%
HK$26,329
baseline
▲ 0.50% · 4.625%
HK$27,931
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,658/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,562
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,302
−HK$749/mo
Today · 4.125%
HK$29,051
baseline
▲ 0.50% · 4.625%
HK$30,583
+HK$1,532/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,102/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,730
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,655
−HK$940/mo
Today · 4.125%
HK$31,595
baseline
▲ 0.50% · 4.625%
HK$33,517
+HK$1,922/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,190/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,075
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,962
−HK$900/mo
Today · 4.125%
HK$34,862
baseline
▲ 0.50% · 4.625%
HK$36,699
+HK$1,837/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,724/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,686
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,764
−HK$1,097/mo
Today · 4.125%
HK$36,861
baseline
▲ 0.50% · 4.625%
HK$39,103
+HK$2,242/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,722/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,587
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,622
−HK$1,050/mo
Today · 4.125%
HK$40,672
baseline
▲ 0.50% · 4.625%
HK$42,816
+HK$2,144/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,344/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,596
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,983
−HK$1,409/mo
Today · 4.125%
HK$47,392
baseline
▲ 0.50% · 4.625%
HK$50,276
+HK$2,884/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,784/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,612
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,943
−HK$1,350/mo
Today · 4.125%
HK$52,293
baseline
▲ 0.50% · 4.625%
HK$55,049
+HK$2,756/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,586/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,444 · Scale 2, in force from 26 Feb 2026)