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$24,751
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,521
−HK$782/mo
Today · 4.125%
HK$26,303
baseline
▲ 0.50% · 4.625%
HK$27,904
+HK$1,601/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,606/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,535
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,274
−HK$749/mo
Today · 4.125%
HK$29,023
baseline
▲ 0.50% · 4.625%
HK$30,553
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,046/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,701
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,625
−HK$939/mo
Today · 4.125%
HK$31,564
baseline
▲ 0.50% · 4.625%
HK$33,485
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,128/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,043
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,929
−HK$899/mo
Today · 4.125%
HK$34,828
baseline
▲ 0.50% · 4.625%
HK$36,664
+HK$1,836/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,656/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,652
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,730
−HK$1,095/mo
Today · 4.125%
HK$36,825
baseline
▲ 0.50% · 4.625%
HK$39,065
+HK$2,240/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,650/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,550
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,584
−HK$1,048/mo
Today · 4.125%
HK$40,632
baseline
▲ 0.50% · 4.625%
HK$42,774
+HK$2,142/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,264/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,552
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,938
−HK$1,408/mo
Today · 4.125%
HK$47,346
baseline
▲ 0.50% · 4.625%
HK$50,227
+HK$2,881/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,692/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,564
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,893
−HK$1,349/mo
Today · 4.125%
HK$52,242
baseline
▲ 0.50% · 4.625%
HK$54,995
+HK$2,753/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,484/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,047 · Scale 2, in force from 26 Feb 2026)