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$24,794
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,565
−HK$784/mo
Today · 4.125%
HK$26,349
baseline
▲ 0.50% · 4.625%
HK$27,952
+HK$1,603/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,698/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,583
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,323
−HK$750/mo
Today · 4.125%
HK$29,073
baseline
▲ 0.50% · 4.625%
HK$30,606
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,146/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,753
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,678
−HK$940/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,542
+HK$1,924/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,236/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,099
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,987
−HK$901/mo
Today · 4.125%
HK$34,888
baseline
▲ 0.50% · 4.625%
HK$36,727
+HK$1,839/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,776/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,711
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,791
−HK$1,097/mo
Today · 4.125%
HK$36,888
baseline
▲ 0.50% · 4.625%
HK$39,133
+HK$2,245/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,776/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,616
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,652
−HK$1,050/mo
Today · 4.125%
HK$40,702
baseline
▲ 0.50% · 4.625%
HK$42,848
+HK$2,146/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,404/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,629
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,017
−HK$1,410/mo
Today · 4.125%
HK$47,427
baseline
▲ 0.50% · 4.625%
HK$50,313
+HK$2,886/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,854/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,649
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,981
−HK$1,350/mo
Today · 4.125%
HK$52,331
baseline
▲ 0.50% · 4.625%
HK$55,090
+HK$2,759/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,662/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,747 · Scale 2, in force from 26 Feb 2026)