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$24,751
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,521
−HK$782/mo
Today · 4.125%
HK$26,303
baseline
▲ 0.50% · 4.625%
HK$27,903
+HK$1,600/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,606/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,535
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,273
−HK$750/mo
Today · 4.125%
HK$29,023
baseline
▲ 0.50% · 4.625%
HK$30,552
+HK$1,529/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,046/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,701
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,625
−HK$938/mo
Today · 4.125%
HK$31,563
baseline
▲ 0.50% · 4.625%
HK$33,484
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,126/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,042
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,928
−HK$899/mo
Today · 4.125%
HK$34,827
baseline
▲ 0.50% · 4.625%
HK$36,663
+HK$1,836/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,654/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,651
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,729
−HK$1,095/mo
Today · 4.125%
HK$36,824
baseline
▲ 0.50% · 4.625%
HK$39,065
+HK$2,241/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,648/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,549
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,583
−HK$1,049/mo
Today · 4.125%
HK$40,632
baseline
▲ 0.50% · 4.625%
HK$42,773
+HK$2,141/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,264/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,551
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,937
−HK$1,408/mo
Today · 4.125%
HK$47,345
baseline
▲ 0.50% · 4.625%
HK$50,226
+HK$2,881/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,690/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,563
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,892
−HK$1,349/mo
Today · 4.125%
HK$52,241
baseline
▲ 0.50% · 4.625%
HK$54,994
+HK$2,753/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,482/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,039 · Scale 2, in force from 26 Feb 2026)