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$24,523
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,285
−HK$775/mo
Today · 4.125%
HK$26,060
baseline
▲ 0.50% · 4.625%
HK$27,646
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,120/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,281
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,013
−HK$742/mo
Today · 4.125%
HK$28,755
baseline
▲ 0.50% · 4.625%
HK$30,271
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,510/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,427
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,342
−HK$930/mo
Today · 4.125%
HK$31,272
baseline
▲ 0.50% · 4.625%
HK$33,175
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,544/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,737
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,615
−HK$891/mo
Today · 4.125%
HK$34,506
baseline
▲ 0.50% · 4.625%
HK$36,325
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,012/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,332
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,400
−HK$1,085/mo
Today · 4.125%
HK$36,485
baseline
▲ 0.50% · 4.625%
HK$38,705
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,970/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,194
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,218
−HK$1,039/mo
Today · 4.125%
HK$40,257
baseline
▲ 0.50% · 4.625%
HK$42,379
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,514/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,141
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,514
−HK$1,395/mo
Today · 4.125%
HK$46,909
baseline
▲ 0.50% · 4.625%
HK$49,763
+HK$2,854/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,818/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,106
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,423
−HK$1,336/mo
Today · 4.125%
HK$51,759
baseline
▲ 0.50% · 4.625%
HK$54,487
+HK$2,728/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,518/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,287 · Scale 2, in force from 26 Feb 2026)