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$24,755
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,525
−HK$783/mo
Today · 4.125%
HK$26,308
baseline
▲ 0.50% · 4.625%
HK$27,908
+HK$1,600/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,616/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,540
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,279
−HK$749/mo
Today · 4.125%
HK$29,028
baseline
▲ 0.50% · 4.625%
HK$30,558
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,056/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,706
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,630
−HK$939/mo
Today · 4.125%
HK$31,569
baseline
▲ 0.50% · 4.625%
HK$33,490
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,138/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,048
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,934
−HK$899/mo
Today · 4.125%
HK$34,833
baseline
▲ 0.50% · 4.625%
HK$36,670
+HK$1,837/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,666/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,657
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,735
−HK$1,096/mo
Today · 4.125%
HK$36,831
baseline
▲ 0.50% · 4.625%
HK$39,072
+HK$2,241/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,662/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,556
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,590
−HK$1,049/mo
Today · 4.125%
HK$40,639
baseline
▲ 0.50% · 4.625%
HK$42,781
+HK$2,142/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,278/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,559
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,946
−HK$1,408/mo
Today · 4.125%
HK$47,354
baseline
▲ 0.50% · 4.625%
HK$50,235
+HK$2,881/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,708/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,572
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,901
−HK$1,349/mo
Today · 4.125%
HK$52,250
baseline
▲ 0.50% · 4.625%
HK$55,004
+HK$2,754/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,500/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,113 · Scale 2, in force from 26 Feb 2026)