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$24,740
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,509
−HK$782/mo
Today · 4.125%
HK$26,291
baseline
▲ 0.50% · 4.625%
HK$27,891
+HK$1,600/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,582/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,523
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,261
−HK$749/mo
Today · 4.125%
HK$29,010
baseline
▲ 0.50% · 4.625%
HK$30,539
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,020/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,688
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,611
−HK$938/mo
Today · 4.125%
HK$31,549
baseline
▲ 0.50% · 4.625%
HK$33,469
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,098/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,027
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,913
−HK$899/mo
Today · 4.125%
HK$34,812
baseline
▲ 0.50% · 4.625%
HK$36,647
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,624/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,636
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,713
−HK$1,095/mo
Today · 4.125%
HK$36,808
baseline
▲ 0.50% · 4.625%
HK$39,047
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,616/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,532
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,565
−HK$1,049/mo
Today · 4.125%
HK$40,614
baseline
▲ 0.50% · 4.625%
HK$42,754
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,228/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,532
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,917
−HK$1,407/mo
Today · 4.125%
HK$47,324
baseline
▲ 0.50% · 4.625%
HK$50,204
+HK$2,880/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,648/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,541
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,870
−HK$1,347/mo
Today · 4.125%
HK$52,217
baseline
▲ 0.50% · 4.625%
HK$54,970
+HK$2,753/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,434/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,858 · Scale 2, in force from 26 Feb 2026)