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$24,528
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,291
−HK$775/mo
Today · 4.125%
HK$26,066
baseline
▲ 0.50% · 4.625%
HK$27,652
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,132/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,287
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,019
−HK$743/mo
Today · 4.125%
HK$28,762
baseline
▲ 0.50% · 4.625%
HK$30,278
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,524/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,434
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,349
−HK$931/mo
Today · 4.125%
HK$31,280
baseline
▲ 0.50% · 4.625%
HK$33,183
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,560/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,745
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,623
−HK$891/mo
Today · 4.125%
HK$34,514
baseline
▲ 0.50% · 4.625%
HK$36,333
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,028/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,339
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,408
−HK$1,085/mo
Today · 4.125%
HK$36,493
baseline
▲ 0.50% · 4.625%
HK$38,713
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,986/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,202
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,227
−HK$1,039/mo
Today · 4.125%
HK$40,266
baseline
▲ 0.50% · 4.625%
HK$42,389
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,532/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,151
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,524
−HK$1,395/mo
Today · 4.125%
HK$46,919
baseline
▲ 0.50% · 4.625%
HK$49,774
+HK$2,855/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,838/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,117
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,435
−HK$1,336/mo
Today · 4.125%
HK$51,771
baseline
▲ 0.50% · 4.625%
HK$54,500
+HK$2,729/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,542/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,379 · Scale 2, in force from 26 Feb 2026)