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$24,743
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,513
−HK$782/mo
Today · 4.125%
HK$26,295
baseline
▲ 0.50% · 4.625%
HK$27,895
+HK$1,600/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,590/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,527
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,265
−HK$749/mo
Today · 4.125%
HK$29,014
baseline
▲ 0.50% · 4.625%
HK$30,543
+HK$1,529/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,028/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,692
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,616
−HK$938/mo
Today · 4.125%
HK$31,554
baseline
▲ 0.50% · 4.625%
HK$33,474
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,108/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,032
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,918
−HK$899/mo
Today · 4.125%
HK$34,817
baseline
▲ 0.50% · 4.625%
HK$36,652
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,634/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,641
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,718
−HK$1,095/mo
Today · 4.125%
HK$36,813
baseline
▲ 0.50% · 4.625%
HK$39,053
+HK$2,240/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,626/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,537
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,571
−HK$1,048/mo
Today · 4.125%
HK$40,619
baseline
▲ 0.50% · 4.625%
HK$42,760
+HK$2,141/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,238/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,538
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,923
−HK$1,408/mo
Today · 4.125%
HK$47,331
baseline
▲ 0.50% · 4.625%
HK$50,211
+HK$2,880/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,662/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,548
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,877
−HK$1,348/mo
Today · 4.125%
HK$52,225
baseline
▲ 0.50% · 4.625%
HK$54,978
+HK$2,753/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,450/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,917 · Scale 2, in force from 26 Feb 2026)