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$24,731
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,501
−HK$781/mo
Today · 4.125%
HK$26,282
baseline
▲ 0.50% · 4.625%
HK$27,881
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,564/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,513
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,251
−HK$749/mo
Today · 4.125%
HK$29,000
baseline
▲ 0.50% · 4.625%
HK$30,528
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,000/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,678
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,601
−HK$938/mo
Today · 4.125%
HK$31,539
baseline
▲ 0.50% · 4.625%
HK$33,458
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,078/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,016
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,901
−HK$899/mo
Today · 4.125%
HK$34,800
baseline
▲ 0.50% · 4.625%
HK$36,634
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,600/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,624
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,701
−HK$1,094/mo
Today · 4.125%
HK$36,795
baseline
▲ 0.50% · 4.625%
HK$39,034
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,590/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,519
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,552
−HK$1,048/mo
Today · 4.125%
HK$40,600
baseline
▲ 0.50% · 4.625%
HK$42,740
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,200/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,516
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,901
−HK$1,407/mo
Today · 4.125%
HK$47,308
baseline
▲ 0.50% · 4.625%
HK$50,186
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,616/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,524
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,852
−HK$1,348/mo
Today · 4.125%
HK$52,200
baseline
▲ 0.50% · 4.625%
HK$54,951
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,400/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,719 · Scale 2, in force from 26 Feb 2026)