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$24,791
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,562
−HK$784/mo
Today · 4.125%
HK$26,346
baseline
▲ 0.50% · 4.625%
HK$27,949
+HK$1,603/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,692/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,580
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,320
−HK$750/mo
Today · 4.125%
HK$29,070
baseline
▲ 0.50% · 4.625%
HK$30,602
+HK$1,532/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,140/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,749
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,675
−HK$940/mo
Today · 4.125%
HK$31,615
baseline
▲ 0.50% · 4.625%
HK$33,539
+HK$1,924/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,230/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,096
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,983
−HK$901/mo
Today · 4.125%
HK$34,884
baseline
▲ 0.50% · 4.625%
HK$36,723
+HK$1,839/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,768/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,708
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,787
−HK$1,097/mo
Today · 4.125%
HK$36,884
baseline
▲ 0.50% · 4.625%
HK$39,128
+HK$2,244/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,768/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,612
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,647
−HK$1,051/mo
Today · 4.125%
HK$40,698
baseline
▲ 0.50% · 4.625%
HK$42,843
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,396/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,624
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,012
−HK$1,410/mo
Today · 4.125%
HK$47,422
baseline
▲ 0.50% · 4.625%
HK$50,308
+HK$2,886/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,844/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,644
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,975
−HK$1,351/mo
Today · 4.125%
HK$52,326
baseline
▲ 0.50% · 4.625%
HK$55,084
+HK$2,758/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,652/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,703 · Scale 2, in force from 26 Feb 2026)