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$24,754
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,524
−HK$782/mo
Today · 4.125%
HK$26,306
baseline
▲ 0.50% · 4.625%
HK$27,906
+HK$1,600/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,612/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,538
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,277
−HK$749/mo
Today · 4.125%
HK$29,026
baseline
▲ 0.50% · 4.625%
HK$30,556
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,052/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,704
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,628
−HK$939/mo
Today · 4.125%
HK$31,567
baseline
▲ 0.50% · 4.625%
HK$33,488
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,134/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,046
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,932
−HK$899/mo
Today · 4.125%
HK$34,831
baseline
▲ 0.50% · 4.625%
HK$36,667
+HK$1,836/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,662/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,655
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,733
−HK$1,095/mo
Today · 4.125%
HK$36,828
baseline
▲ 0.50% · 4.625%
HK$39,069
+HK$2,241/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,656/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,553
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,587
−HK$1,049/mo
Today · 4.125%
HK$40,636
baseline
▲ 0.50% · 4.625%
HK$42,778
+HK$2,142/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,272/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,556
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,942
−HK$1,408/mo
Today · 4.125%
HK$47,350
baseline
▲ 0.50% · 4.625%
HK$50,232
+HK$2,882/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,700/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,569
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,898
−HK$1,349/mo
Today · 4.125%
HK$52,247
baseline
▲ 0.50% · 4.625%
HK$55,001
+HK$2,754/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,494/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,085 · Scale 2, in force from 26 Feb 2026)