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$24,538
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,301
−HK$776/mo
Today · 4.125%
HK$26,077
baseline
▲ 0.50% · 4.625%
HK$27,664
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,154/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,298
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,030
−HK$743/mo
Today · 4.125%
HK$28,773
baseline
▲ 0.50% · 4.625%
HK$30,290
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,546/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,446
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,362
−HK$930/mo
Today · 4.125%
HK$31,292
baseline
▲ 0.50% · 4.625%
HK$33,196
+HK$1,904/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$62,584/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,758
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,637
−HK$891/mo
Today · 4.125%
HK$34,528
baseline
▲ 0.50% · 4.625%
HK$36,348
+HK$1,820/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$69,056/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,353
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,422
−HK$1,086/mo
Today · 4.125%
HK$36,508
baseline
▲ 0.50% · 4.625%
HK$38,729
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$73,016/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,218
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,243
−HK$1,039/mo
Today · 4.125%
HK$40,282
baseline
▲ 0.50% · 4.625%
HK$42,406
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,564/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,169
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,542
−HK$1,396/mo
Today · 4.125%
HK$46,938
baseline
▲ 0.50% · 4.625%
HK$49,794
+HK$2,856/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,876/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,137
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,455
−HK$1,337/mo
Today · 4.125%
HK$51,792
baseline
▲ 0.50% · 4.625%
HK$54,522
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,584/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,542 · Scale 2, in force from 26 Feb 2026)