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$24,733
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,503
−HK$781/mo
Today · 4.125%
HK$26,284
baseline
▲ 0.50% · 4.625%
HK$27,884
+HK$1,600/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,568/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,516
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,254
−HK$748/mo
Today · 4.125%
HK$29,002
baseline
▲ 0.50% · 4.625%
HK$30,531
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,004/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,680
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,603
−HK$938/mo
Today · 4.125%
HK$31,541
baseline
▲ 0.50% · 4.625%
HK$33,461
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,082/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,019
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,904
−HK$899/mo
Today · 4.125%
HK$34,803
baseline
▲ 0.50% · 4.625%
HK$36,637
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,606/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,627
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,704
−HK$1,094/mo
Today · 4.125%
HK$36,798
baseline
▲ 0.50% · 4.625%
HK$39,037
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,596/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,522
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,555
−HK$1,048/mo
Today · 4.125%
HK$40,603
baseline
▲ 0.50% · 4.625%
HK$42,743
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,206/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,520
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,905
−HK$1,407/mo
Today · 4.125%
HK$47,312
baseline
▲ 0.50% · 4.625%
HK$50,191
+HK$2,879/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,624/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,528
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,857
−HK$1,347/mo
Today · 4.125%
HK$52,204
baseline
▲ 0.50% · 4.625%
HK$54,956
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,408/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,755 · Scale 2, in force from 26 Feb 2026)