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$24,511
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,274
−HK$774/mo
Today · 4.125%
HK$26,048
baseline
▲ 0.50% · 4.625%
HK$27,633
+HK$1,585/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,096/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,269
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,000
−HK$742/mo
Today · 4.125%
HK$28,742
baseline
▲ 0.50% · 4.625%
HK$30,257
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,484/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,414
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,329
−HK$929/mo
Today · 4.125%
HK$31,258
baseline
▲ 0.50% · 4.625%
HK$33,160
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,516/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,722
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,600
−HK$890/mo
Today · 4.125%
HK$34,490
baseline
▲ 0.50% · 4.625%
HK$36,308
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,980/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,316
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,383
−HK$1,085/mo
Today · 4.125%
HK$36,468
baseline
▲ 0.50% · 4.625%
HK$38,687
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,936/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,176
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,200
−HK$1,039/mo
Today · 4.125%
HK$40,239
baseline
▲ 0.50% · 4.625%
HK$42,360
+HK$2,121/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,478/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,120
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,493
−HK$1,394/mo
Today · 4.125%
HK$46,887
baseline
▲ 0.50% · 4.625%
HK$49,740
+HK$2,853/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,774/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,084
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,400
−HK$1,335/mo
Today · 4.125%
HK$51,735
baseline
▲ 0.50% · 4.625%
HK$54,462
+HK$2,727/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,470/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,102 · Scale 2, in force from 26 Feb 2026)