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$24,770
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,540
−HK$783/mo
Today · 4.125%
HK$26,323
baseline
▲ 0.50% · 4.625%
HK$27,925
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,646/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,556
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,295
−HK$750/mo
Today · 4.125%
HK$29,045
baseline
▲ 0.50% · 4.625%
HK$30,576
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,090/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,724
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,648
−HK$940/mo
Today · 4.125%
HK$31,588
baseline
▲ 0.50% · 4.625%
HK$33,510
+HK$1,922/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,176/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,067
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,954
−HK$900/mo
Today · 4.125%
HK$34,854
baseline
▲ 0.50% · 4.625%
HK$36,691
+HK$1,837/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,708/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,678
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,756
−HK$1,096/mo
Today · 4.125%
HK$36,852
baseline
▲ 0.50% · 4.625%
HK$39,095
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,704/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,578
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,613
−HK$1,050/mo
Today · 4.125%
HK$40,663
baseline
▲ 0.50% · 4.625%
HK$42,806
+HK$2,143/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,326/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,585
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,972
−HK$1,409/mo
Today · 4.125%
HK$47,381
baseline
▲ 0.50% · 4.625%
HK$50,264
+HK$2,883/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,762/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,601
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,931
−HK$1,350/mo
Today · 4.125%
HK$52,281
baseline
▲ 0.50% · 4.625%
HK$55,036
+HK$2,755/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,562/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,351 · Scale 2, in force from 26 Feb 2026)