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$24,757
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,527
−HK$783/mo
Today · 4.125%
HK$26,310
baseline
▲ 0.50% · 4.625%
HK$27,911
+HK$1,601/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,620/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,542
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,281
−HK$749/mo
Today · 4.125%
HK$29,030
baseline
▲ 0.50% · 4.625%
HK$30,560
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,060/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,709
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,633
−HK$939/mo
Today · 4.125%
HK$31,572
baseline
▲ 0.50% · 4.625%
HK$33,493
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,144/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,051
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,937
−HK$899/mo
Today · 4.125%
HK$34,836
baseline
▲ 0.50% · 4.625%
HK$36,673
+HK$1,837/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,672/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,660
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,738
−HK$1,096/mo
Today · 4.125%
HK$36,834
baseline
▲ 0.50% · 4.625%
HK$39,075
+HK$2,241/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,668/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,559
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,593
−HK$1,049/mo
Today · 4.125%
HK$40,642
baseline
▲ 0.50% · 4.625%
HK$42,785
+HK$2,143/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,284/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,563
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,949
−HK$1,409/mo
Today · 4.125%
HK$47,358
baseline
▲ 0.50% · 4.625%
HK$50,239
+HK$2,881/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,716/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,576
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,906
−HK$1,348/mo
Today · 4.125%
HK$52,254
baseline
▲ 0.50% · 4.625%
HK$55,009
+HK$2,755/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,508/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,147 · Scale 2, in force from 26 Feb 2026)