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$24,516
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,279
−HK$774/mo
Today · 4.125%
HK$26,053
baseline
▲ 0.50% · 4.625%
HK$27,639
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,106/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,274
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,005
−HK$742/mo
Today · 4.125%
HK$28,747
baseline
▲ 0.50% · 4.625%
HK$30,263
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,494/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,419
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,334
−HK$930/mo
Today · 4.125%
HK$31,264
baseline
▲ 0.50% · 4.625%
HK$33,166
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,528/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,728
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,606
−HK$891/mo
Today · 4.125%
HK$34,497
baseline
▲ 0.50% · 4.625%
HK$36,315
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,994/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,322
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,390
−HK$1,085/mo
Today · 4.125%
HK$36,475
baseline
▲ 0.50% · 4.625%
HK$38,694
+HK$2,219/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,950/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,183
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,207
−HK$1,039/mo
Today · 4.125%
HK$40,246
baseline
▲ 0.50% · 4.625%
HK$42,368
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,492/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,129
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,501
−HK$1,395/mo
Today · 4.125%
HK$46,896
baseline
▲ 0.50% · 4.625%
HK$49,749
+HK$2,853/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,792/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,093
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,409
−HK$1,336/mo
Today · 4.125%
HK$51,745
baseline
▲ 0.50% · 4.625%
HK$54,473
+HK$2,728/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,490/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,178 · Scale 2, in force from 26 Feb 2026)