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$24,484
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,246
−HK$773/mo
Today · 4.125%
HK$26,019
baseline
▲ 0.50% · 4.625%
HK$27,603
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,038/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,238
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,969
−HK$741/mo
Today · 4.125%
HK$28,710
baseline
▲ 0.50% · 4.625%
HK$30,223
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,420/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,381
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,295
−HK$928/mo
Today · 4.125%
HK$31,223
baseline
▲ 0.50% · 4.625%
HK$33,123
+HK$1,900/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,446/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,686
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,562
−HK$890/mo
Today · 4.125%
HK$34,452
baseline
▲ 0.50% · 4.625%
HK$36,268
+HK$1,816/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,904/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,278
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,344
−HK$1,083/mo
Today · 4.125%
HK$36,427
baseline
▲ 0.50% · 4.625%
HK$38,644
+HK$2,217/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,854/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,133
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,156
−HK$1,038/mo
Today · 4.125%
HK$40,194
baseline
▲ 0.50% · 4.625%
HK$42,312
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,388/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,071
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,442
−HK$1,393/mo
Today · 4.125%
HK$46,835
baseline
▲ 0.50% · 4.625%
HK$49,685
+HK$2,850/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,670/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,029
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,344
−HK$1,334/mo
Today · 4.125%
HK$51,678
baseline
▲ 0.50% · 4.625%
HK$54,402
+HK$2,724/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,356/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,652 · Scale 2, in force from 26 Feb 2026)