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$24,794
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,565
−HK$783/mo
Today · 4.125%
HK$26,348
baseline
▲ 0.50% · 4.625%
HK$27,952
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,696/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,583
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,322
−HK$751/mo
Today · 4.125%
HK$29,073
baseline
▲ 0.50% · 4.625%
HK$30,605
+HK$1,532/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,146/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,752
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,678
−HK$940/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,542
+HK$1,924/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,236/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,099
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,987
−HK$900/mo
Today · 4.125%
HK$34,887
baseline
▲ 0.50% · 4.625%
HK$36,726
+HK$1,839/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,774/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,711
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,791
−HK$1,097/mo
Today · 4.125%
HK$36,888
baseline
▲ 0.50% · 4.625%
HK$39,132
+HK$2,244/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,776/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,616
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,651
−HK$1,051/mo
Today · 4.125%
HK$40,702
baseline
▲ 0.50% · 4.625%
HK$42,847
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,404/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,628
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,017
−HK$1,410/mo
Today · 4.125%
HK$47,427
baseline
▲ 0.50% · 4.625%
HK$50,313
+HK$2,886/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,854/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,649
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,980
−HK$1,351/mo
Today · 4.125%
HK$52,331
baseline
▲ 0.50% · 4.625%
HK$55,090
+HK$2,759/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,662/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,744 · Scale 2, in force from 26 Feb 2026)