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$24,553
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,317
−HK$776/mo
Today · 4.125%
HK$26,093
baseline
▲ 0.50% · 4.625%
HK$27,681
+HK$1,588/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,186/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,315
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,048
−HK$743/mo
Today · 4.125%
HK$28,791
baseline
▲ 0.50% · 4.625%
HK$30,309
+HK$1,518/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,582/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,464
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,381
−HK$931/mo
Today · 4.125%
HK$31,312
baseline
▲ 0.50% · 4.625%
HK$33,217
+HK$1,905/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,624/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,778
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,658
−HK$891/mo
Today · 4.125%
HK$34,549
baseline
▲ 0.50% · 4.625%
HK$36,370
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,098/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,375
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,444
−HK$1,086/mo
Today · 4.125%
HK$36,530
baseline
▲ 0.50% · 4.625%
HK$38,753
+HK$2,223/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,060/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,242
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,267
−HK$1,041/mo
Today · 4.125%
HK$40,308
baseline
▲ 0.50% · 4.625%
HK$42,432
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,616/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,196
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,571
−HK$1,397/mo
Today · 4.125%
HK$46,968
baseline
▲ 0.50% · 4.625%
HK$49,825
+HK$2,857/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,936/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,168
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,486
−HK$1,338/mo
Today · 4.125%
HK$51,824
baseline
▲ 0.50% · 4.625%
HK$54,556
+HK$2,732/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,648/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,793 · Scale 2, in force from 26 Feb 2026)