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$24,732
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,501
−HK$782/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,882
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,514
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,252
−HK$748/mo
Today · 4.125%
HK$29,000
baseline
▲ 0.50% · 4.625%
HK$30,529
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,000/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,678
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,601
−HK$938/mo
Today · 4.125%
HK$31,539
baseline
▲ 0.50% · 4.625%
HK$33,458
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,078/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,016
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,902
−HK$898/mo
Today · 4.125%
HK$34,800
baseline
▲ 0.50% · 4.625%
HK$36,635
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,600/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,624
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,701
−HK$1,095/mo
Today · 4.125%
HK$36,796
baseline
▲ 0.50% · 4.625%
HK$39,035
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,592/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,519
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,552
−HK$1,048/mo
Today · 4.125%
HK$40,600
baseline
▲ 0.50% · 4.625%
HK$42,740
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,200/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,517
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,902
−HK$1,407/mo
Today · 4.125%
HK$47,309
baseline
▲ 0.50% · 4.625%
HK$50,187
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,618/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,525
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,853
−HK$1,347/mo
Today · 4.125%
HK$52,200
baseline
▲ 0.50% · 4.625%
HK$54,952
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,400/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,725 · Scale 2, in force from 26 Feb 2026)