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$24,512
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,274
−HK$775/mo
Today · 4.125%
HK$26,049
baseline
▲ 0.50% · 4.625%
HK$27,634
+HK$1,585/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,098/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,269
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,001
−HK$742/mo
Today · 4.125%
HK$28,743
baseline
▲ 0.50% · 4.625%
HK$30,258
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,486/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,414
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,329
−HK$930/mo
Today · 4.125%
HK$31,259
baseline
▲ 0.50% · 4.625%
HK$33,161
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,518/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,723
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,601
−HK$890/mo
Today · 4.125%
HK$34,491
baseline
▲ 0.50% · 4.625%
HK$36,309
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,982/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,317
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,384
−HK$1,085/mo
Today · 4.125%
HK$36,469
baseline
▲ 0.50% · 4.625%
HK$38,688
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,938/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,177
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,201
−HK$1,039/mo
Today · 4.125%
HK$40,240
baseline
▲ 0.50% · 4.625%
HK$42,361
+HK$2,121/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,480/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,122
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,494
−HK$1,394/mo
Today · 4.125%
HK$46,888
baseline
▲ 0.50% · 4.625%
HK$49,742
+HK$2,854/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,776/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,085
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,401
−HK$1,336/mo
Today · 4.125%
HK$51,737
baseline
▲ 0.50% · 4.625%
HK$54,464
+HK$2,727/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,474/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,113 · Scale 2, in force from 26 Feb 2026)