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$24,778
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,549
−HK$783/mo
Today · 4.125%
HK$26,332
baseline
▲ 0.50% · 4.625%
HK$27,934
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,664/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,565
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,304
−HK$750/mo
Today · 4.125%
HK$29,054
baseline
▲ 0.50% · 4.625%
HK$30,586
+HK$1,532/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,108/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,733
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,658
−HK$940/mo
Today · 4.125%
HK$31,598
baseline
▲ 0.50% · 4.625%
HK$33,521
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,196/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,078
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,965
−HK$900/mo
Today · 4.125%
HK$34,865
baseline
▲ 0.50% · 4.625%
HK$36,703
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,730/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,689
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,768
−HK$1,096/mo
Today · 4.125%
HK$36,864
baseline
▲ 0.50% · 4.625%
HK$39,107
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,728/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,591
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,626
−HK$1,050/mo
Today · 4.125%
HK$40,676
baseline
▲ 0.50% · 4.625%
HK$42,820
+HK$2,144/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,352/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,600
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,987
−HK$1,410/mo
Today · 4.125%
HK$47,397
baseline
▲ 0.50% · 4.625%
HK$50,281
+HK$2,884/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,794/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,617
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,948
−HK$1,350/mo
Today · 4.125%
HK$52,298
baseline
▲ 0.50% · 4.625%
HK$55,054
+HK$2,756/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,596/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,485 · Scale 2, in force from 26 Feb 2026)