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$24,753
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,523
−HK$782/mo
Today · 4.125%
HK$26,305
baseline
▲ 0.50% · 4.625%
HK$27,906
+HK$1,601/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,610/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,537
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,276
−HK$749/mo
Today · 4.125%
HK$29,025
baseline
▲ 0.50% · 4.625%
HK$30,555
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,050/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,703
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,627
−HK$939/mo
Today · 4.125%
HK$31,566
baseline
▲ 0.50% · 4.625%
HK$33,487
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,132/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,045
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,931
−HK$899/mo
Today · 4.125%
HK$34,830
baseline
▲ 0.50% · 4.625%
HK$36,666
+HK$1,836/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,660/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,654
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,732
−HK$1,095/mo
Today · 4.125%
HK$36,827
baseline
▲ 0.50% · 4.625%
HK$39,068
+HK$2,241/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,654/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,552
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,586
−HK$1,049/mo
Today · 4.125%
HK$40,635
baseline
▲ 0.50% · 4.625%
HK$42,777
+HK$2,142/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,270/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,555
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,941
−HK$1,408/mo
Today · 4.125%
HK$47,349
baseline
▲ 0.50% · 4.625%
HK$50,230
+HK$2,881/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,698/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,567
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,897
−HK$1,348/mo
Today · 4.125%
HK$52,245
baseline
▲ 0.50% · 4.625%
HK$54,999
+HK$2,754/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,490/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,074 · Scale 2, in force from 26 Feb 2026)