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$24,747
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,517
−HK$782/mo
Today · 4.125%
HK$26,299
baseline
▲ 0.50% · 4.625%
HK$27,899
+HK$1,600/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,598/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,531
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,269
−HK$749/mo
Today · 4.125%
HK$29,018
baseline
▲ 0.50% · 4.625%
HK$30,548
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,036/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,696
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,620
−HK$938/mo
Today · 4.125%
HK$31,558
baseline
▲ 0.50% · 4.625%
HK$33,479
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,116/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,037
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,923
−HK$899/mo
Today · 4.125%
HK$34,822
baseline
▲ 0.50% · 4.625%
HK$36,657
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,644/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,646
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,723
−HK$1,095/mo
Today · 4.125%
HK$36,818
baseline
▲ 0.50% · 4.625%
HK$39,058
+HK$2,240/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,636/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,543
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,577
−HK$1,048/mo
Today · 4.125%
HK$40,625
baseline
▲ 0.50% · 4.625%
HK$42,767
+HK$2,142/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,250/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,544
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,930
−HK$1,408/mo
Today · 4.125%
HK$47,338
baseline
▲ 0.50% · 4.625%
HK$50,218
+HK$2,880/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,676/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,555
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,884
−HK$1,348/mo
Today · 4.125%
HK$52,232
baseline
▲ 0.50% · 4.625%
HK$54,986
+HK$2,754/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,464/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,975 · Scale 2, in force from 26 Feb 2026)