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$24,763
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,534
−HK$782/mo
Today · 4.125%
HK$26,316
baseline
▲ 0.50% · 4.625%
HK$27,918
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,632/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,549
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,288
−HK$750/mo
Today · 4.125%
HK$29,038
baseline
▲ 0.50% · 4.625%
HK$30,568
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,076/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,716
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,641
−HK$939/mo
Today · 4.125%
HK$31,580
baseline
▲ 0.50% · 4.625%
HK$33,501
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$63,160/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,059
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,946
−HK$899/mo
Today · 4.125%
HK$34,845
baseline
▲ 0.50% · 4.625%
HK$36,682
+HK$1,837/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$69,690/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,669
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,747
−HK$1,096/mo
Today · 4.125%
HK$36,843
baseline
▲ 0.50% · 4.625%
HK$39,085
+HK$2,242/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,686/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,569
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,603
−HK$1,050/mo
Today · 4.125%
HK$40,653
baseline
▲ 0.50% · 4.625%
HK$42,795
+HK$2,142/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,306/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,574
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,961
−HK$1,408/mo
Today · 4.125%
HK$47,369
baseline
▲ 0.50% · 4.625%
HK$50,252
+HK$2,883/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,738/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,588
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,918
−HK$1,350/mo
Today · 4.125%
HK$52,268
baseline
▲ 0.50% · 4.625%
HK$55,023
+HK$2,755/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,536/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,249 · Scale 2, in force from 26 Feb 2026)