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$24,742
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,511
−HK$782/mo
Today · 4.125%
HK$26,293
baseline
▲ 0.50% · 4.625%
HK$27,893
+HK$1,600/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,586/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,525
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,263
−HK$749/mo
Today · 4.125%
HK$29,012
baseline
▲ 0.50% · 4.625%
HK$30,541
+HK$1,529/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,024/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,690
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,614
−HK$938/mo
Today · 4.125%
HK$31,552
baseline
▲ 0.50% · 4.625%
HK$33,472
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,104/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,030
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,916
−HK$899/mo
Today · 4.125%
HK$34,815
baseline
▲ 0.50% · 4.625%
HK$36,650
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,630/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,639
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,716
−HK$1,095/mo
Today · 4.125%
HK$36,811
baseline
▲ 0.50% · 4.625%
HK$39,050
+HK$2,239/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,622/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,535
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,568
−HK$1,049/mo
Today · 4.125%
HK$40,617
baseline
▲ 0.50% · 4.625%
HK$42,758
+HK$2,141/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,234/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,535
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,921
−HK$1,407/mo
Today · 4.125%
HK$47,328
baseline
▲ 0.50% · 4.625%
HK$50,208
+HK$2,880/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,656/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,545
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,874
−HK$1,348/mo
Today · 4.125%
HK$52,222
baseline
▲ 0.50% · 4.625%
HK$54,974
+HK$2,752/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,444/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,892 · Scale 2, in force from 26 Feb 2026)