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$24,743
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,512
−HK$782/mo
Today · 4.125%
HK$26,294
baseline
▲ 0.50% · 4.625%
HK$27,894
+HK$1,600/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,588/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,526
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,264
−HK$749/mo
Today · 4.125%
HK$29,013
baseline
▲ 0.50% · 4.625%
HK$30,542
+HK$1,529/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,026/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,691
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,615
−HK$938/mo
Today · 4.125%
HK$31,553
baseline
▲ 0.50% · 4.625%
HK$33,473
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,106/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,031
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,917
−HK$899/mo
Today · 4.125%
HK$34,816
baseline
▲ 0.50% · 4.625%
HK$36,651
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,632/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,640
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,717
−HK$1,095/mo
Today · 4.125%
HK$36,812
baseline
▲ 0.50% · 4.625%
HK$39,052
+HK$2,240/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,624/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,536
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,570
−HK$1,048/mo
Today · 4.125%
HK$40,618
baseline
▲ 0.50% · 4.625%
HK$42,759
+HK$2,141/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,236/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,537
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,922
−HK$1,408/mo
Today · 4.125%
HK$47,330
baseline
▲ 0.50% · 4.625%
HK$50,209
+HK$2,879/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,660/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,547
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,875
−HK$1,348/mo
Today · 4.125%
HK$52,223
baseline
▲ 0.50% · 4.625%
HK$54,976
+HK$2,753/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,446/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,905 · Scale 2, in force from 26 Feb 2026)