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$24,793
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,564
−HK$784/mo
Today · 4.125%
HK$26,348
baseline
▲ 0.50% · 4.625%
HK$27,951
+HK$1,603/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,696/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,582
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,322
−HK$750/mo
Today · 4.125%
HK$29,072
baseline
▲ 0.50% · 4.625%
HK$30,605
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,144/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,752
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,677
−HK$941/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,541
+HK$1,923/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$407,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,099
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,986
−HK$901/mo
Today · 4.125%
HK$34,887
baseline
▲ 0.50% · 4.625%
HK$36,726
+HK$1,839/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,774/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,711
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,790
−HK$1,097/mo
Today · 4.125%
HK$36,887
baseline
▲ 0.50% · 4.625%
HK$39,132
+HK$2,245/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,774/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,615
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,651
−HK$1,050/mo
Today · 4.125%
HK$40,701
baseline
▲ 0.50% · 4.625%
HK$42,847
+HK$2,146/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,402/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,628
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,016
−HK$1,410/mo
Today · 4.125%
HK$47,426
baseline
▲ 0.50% · 4.625%
HK$50,312
+HK$2,886/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,852/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,648
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,980
−HK$1,350/mo
Today · 4.125%
HK$52,330
baseline
▲ 0.50% · 4.625%
HK$55,089
+HK$2,759/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,660/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,738 · Scale 2, in force from 26 Feb 2026)