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$24,766
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,537
−HK$782/mo
Today · 4.125%
HK$26,319
baseline
▲ 0.50% · 4.625%
HK$27,921
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,638/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,552
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,291
−HK$750/mo
Today · 4.125%
HK$29,041
baseline
▲ 0.50% · 4.625%
HK$30,572
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,082/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,720
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,644
−HK$939/mo
Today · 4.125%
HK$31,583
baseline
▲ 0.50% · 4.625%
HK$33,505
+HK$1,922/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$63,166/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,063
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,949
−HK$900/mo
Today · 4.125%
HK$34,849
baseline
▲ 0.50% · 4.625%
HK$36,686
+HK$1,837/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$69,698/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,673
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,751
−HK$1,096/mo
Today · 4.125%
HK$36,847
baseline
▲ 0.50% · 4.625%
HK$39,089
+HK$2,242/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,694/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,573
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,608
−HK$1,049/mo
Today · 4.125%
HK$40,657
baseline
▲ 0.50% · 4.625%
HK$42,800
+HK$2,143/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,314/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,579
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,966
−HK$1,409/mo
Today · 4.125%
HK$47,375
baseline
▲ 0.50% · 4.625%
HK$50,258
+HK$2,883/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,750/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,594
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,924
−HK$1,350/mo
Today · 4.125%
HK$52,274
baseline
▲ 0.50% · 4.625%
HK$55,029
+HK$2,755/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,548/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,296 · Scale 2, in force from 26 Feb 2026)