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$24,768
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,539
−HK$782/mo
Today · 4.125%
HK$26,321
baseline
▲ 0.50% · 4.625%
HK$27,923
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,642/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,554
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,293
−HK$750/mo
Today · 4.125%
HK$29,043
baseline
▲ 0.50% · 4.625%
HK$30,574
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,086/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,722
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,646
−HK$940/mo
Today · 4.125%
HK$31,586
baseline
▲ 0.50% · 4.625%
HK$33,507
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$63,172/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,065
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,952
−HK$900/mo
Today · 4.125%
HK$34,852
baseline
▲ 0.50% · 4.625%
HK$36,689
+HK$1,837/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$69,704/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,675
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,754
−HK$1,096/mo
Today · 4.125%
HK$36,850
baseline
▲ 0.50% · 4.625%
HK$39,092
+HK$2,242/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,700/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,576
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,611
−HK$1,049/mo
Today · 4.125%
HK$40,660
baseline
▲ 0.50% · 4.625%
HK$42,803
+HK$2,143/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,320/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,583
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,969
−HK$1,409/mo
Today · 4.125%
HK$47,378
baseline
▲ 0.50% · 4.625%
HK$50,261
+HK$2,883/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,756/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,598
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,928
−HK$1,349/mo
Today · 4.125%
HK$52,277
baseline
▲ 0.50% · 4.625%
HK$55,033
+HK$2,756/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,554/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,325 · Scale 2, in force from 26 Feb 2026)