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$24,471
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,232
−HK$774/mo
Today · 4.125%
HK$26,006
baseline
▲ 0.50% · 4.625%
HK$27,588
+HK$1,582/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,012/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,224
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,954
−HK$741/mo
Today · 4.125%
HK$28,695
baseline
▲ 0.50% · 4.625%
HK$30,207
+HK$1,512/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,390/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,365
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,279
−HK$928/mo
Today · 4.125%
HK$31,207
baseline
▲ 0.50% · 4.625%
HK$33,106
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,414/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,669
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,545
−HK$889/mo
Today · 4.125%
HK$34,434
baseline
▲ 0.50% · 4.625%
HK$36,249
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,868/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,260
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,325
−HK$1,083/mo
Today · 4.125%
HK$36,408
baseline
▲ 0.50% · 4.625%
HK$38,623
+HK$2,215/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,816/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,114
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,136
−HK$1,037/mo
Today · 4.125%
HK$40,173
baseline
▲ 0.50% · 4.625%
HK$42,290
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,346/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,048
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,418
−HK$1,392/mo
Today · 4.125%
HK$46,810
baseline
▲ 0.50% · 4.625%
HK$49,659
+HK$2,849/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,620/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,003
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,317
−HK$1,334/mo
Today · 4.125%
HK$51,651
baseline
▲ 0.50% · 4.625%
HK$54,373
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,302/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,443 · Scale 2, in force from 26 Feb 2026)