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$24,496
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,258
−HK$774/mo
Today · 4.125%
HK$26,032
baseline
▲ 0.50% · 4.625%
HK$27,616
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,064/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,251
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,982
−HK$742/mo
Today · 4.125%
HK$28,724
baseline
▲ 0.50% · 4.625%
HK$30,238
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,448/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,395
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,309
−HK$929/mo
Today · 4.125%
HK$31,238
baseline
▲ 0.50% · 4.625%
HK$33,139
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,476/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,702
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,579
−HK$889/mo
Today · 4.125%
HK$34,468
baseline
▲ 0.50% · 4.625%
HK$36,285
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,936/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,294
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,361
−HK$1,084/mo
Today · 4.125%
HK$36,445
baseline
▲ 0.50% · 4.625%
HK$38,662
+HK$2,217/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,890/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,152
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,175
−HK$1,038/mo
Today · 4.125%
HK$40,213
baseline
▲ 0.50% · 4.625%
HK$42,333
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,426/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,092
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,464
−HK$1,393/mo
Today · 4.125%
HK$46,857
baseline
▲ 0.50% · 4.625%
HK$49,708
+HK$2,851/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,714/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,052
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,368
−HK$1,334/mo
Today · 4.125%
HK$51,702
baseline
▲ 0.50% · 4.625%
HK$54,428
+HK$2,726/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,404/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,846 · Scale 2, in force from 26 Feb 2026)