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$24,507
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,270
−HK$774/mo
Today · 4.125%
HK$26,044
baseline
▲ 0.50% · 4.625%
HK$27,629
+HK$1,585/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,088/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,264
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,996
−HK$741/mo
Today · 4.125%
HK$28,737
baseline
▲ 0.50% · 4.625%
HK$30,252
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,474/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,409
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,324
−HK$929/mo
Today · 4.125%
HK$31,253
baseline
▲ 0.50% · 4.625%
HK$33,155
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,506/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,717
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,595
−HK$890/mo
Today · 4.125%
HK$34,485
baseline
▲ 0.50% · 4.625%
HK$36,303
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,970/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,310
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,378
−HK$1,084/mo
Today · 4.125%
HK$36,462
baseline
▲ 0.50% · 4.625%
HK$38,681
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,924/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,170
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,194
−HK$1,038/mo
Today · 4.125%
HK$40,232
baseline
▲ 0.50% · 4.625%
HK$42,353
+HK$2,121/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,464/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,113
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,486
−HK$1,394/mo
Today · 4.125%
HK$46,880
baseline
▲ 0.50% · 4.625%
HK$49,732
+HK$2,852/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,760/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,076
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,392
−HK$1,335/mo
Today · 4.125%
HK$51,727
baseline
▲ 0.50% · 4.625%
HK$54,454
+HK$2,727/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,454/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,038 · Scale 2, in force from 26 Feb 2026)