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$24,765
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,535
−HK$783/mo
Today · 4.125%
HK$26,318
baseline
▲ 0.50% · 4.625%
HK$27,919
+HK$1,601/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,636/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,550
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,289
−HK$750/mo
Today · 4.125%
HK$29,039
baseline
▲ 0.50% · 4.625%
HK$30,570
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,078/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,718
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,642
−HK$939/mo
Today · 4.125%
HK$31,581
baseline
▲ 0.50% · 4.625%
HK$33,503
+HK$1,922/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$63,162/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,061
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,947
−HK$900/mo
Today · 4.125%
HK$34,847
baseline
▲ 0.50% · 4.625%
HK$36,684
+HK$1,837/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$69,694/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,671
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,749
−HK$1,096/mo
Today · 4.125%
HK$36,845
baseline
▲ 0.50% · 4.625%
HK$39,087
+HK$2,242/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,690/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,571
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,605
−HK$1,050/mo
Today · 4.125%
HK$40,655
baseline
▲ 0.50% · 4.625%
HK$42,797
+HK$2,142/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,310/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,576
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,963
−HK$1,409/mo
Today · 4.125%
HK$47,372
baseline
▲ 0.50% · 4.625%
HK$50,254
+HK$2,882/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,744/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,591
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,921
−HK$1,349/mo
Today · 4.125%
HK$52,270
baseline
▲ 0.50% · 4.625%
HK$55,025
+HK$2,755/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,540/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,269 · Scale 2, in force from 26 Feb 2026)