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$24,740
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,510
−HK$782/mo
Today · 4.125%
HK$26,292
baseline
▲ 0.50% · 4.625%
HK$27,892
+HK$1,600/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,584/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,523
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,262
−HK$748/mo
Today · 4.125%
HK$29,010
baseline
▲ 0.50% · 4.625%
HK$30,540
+HK$1,530/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,020/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,688
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,612
−HK$938/mo
Today · 4.125%
HK$31,550
baseline
▲ 0.50% · 4.625%
HK$33,470
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,100/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,028
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,914
−HK$898/mo
Today · 4.125%
HK$34,812
baseline
▲ 0.50% · 4.625%
HK$36,647
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,624/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,636
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,714
−HK$1,094/mo
Today · 4.125%
HK$36,808
baseline
▲ 0.50% · 4.625%
HK$39,048
+HK$2,240/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,616/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,533
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,566
−HK$1,049/mo
Today · 4.125%
HK$40,615
baseline
▲ 0.50% · 4.625%
HK$42,755
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,230/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,533
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,918
−HK$1,407/mo
Today · 4.125%
HK$47,325
baseline
▲ 0.50% · 4.625%
HK$50,205
+HK$2,880/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,650/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,542
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,871
−HK$1,348/mo
Today · 4.125%
HK$52,219
baseline
▲ 0.50% · 4.625%
HK$54,971
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,438/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,868 · Scale 2, in force from 26 Feb 2026)