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$24,481
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,242
−HK$774/mo
Today · 4.125%
HK$26,016
baseline
▲ 0.50% · 4.625%
HK$27,599
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,032/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,235
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,965
−HK$741/mo
Today · 4.125%
HK$28,706
baseline
▲ 0.50% · 4.625%
HK$30,219
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,412/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,377
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,291
−HK$928/mo
Today · 4.125%
HK$31,219
baseline
▲ 0.50% · 4.625%
HK$33,119
+HK$1,900/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,438/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,682
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,558
−HK$889/mo
Today · 4.125%
HK$34,447
baseline
▲ 0.50% · 4.625%
HK$36,263
+HK$1,816/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,894/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,273
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,339
−HK$1,084/mo
Today · 4.125%
HK$36,423
baseline
▲ 0.50% · 4.625%
HK$38,639
+HK$2,216/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,846/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,129
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,151
−HK$1,038/mo
Today · 4.125%
HK$40,189
baseline
▲ 0.50% · 4.625%
HK$42,307
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,378/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,066
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,436
−HK$1,393/mo
Today · 4.125%
HK$46,829
baseline
▲ 0.50% · 4.625%
HK$49,678
+HK$2,849/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,658/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,023
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,337
−HK$1,334/mo
Today · 4.125%
HK$51,671
baseline
▲ 0.50% · 4.625%
HK$54,395
+HK$2,724/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,342/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,602 · Scale 2, in force from 26 Feb 2026)