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$1,534/mo
▼ 0.25% · 3.875%
HK$25,232
−HK$773/mo
Today · 4.125%
HK$26,005
baseline
▲ 0.50% · 4.625%
HK$27,588
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,010/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,224
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,954
−HK$740/mo
Today · 4.125%
HK$28,694
baseline
▲ 0.50% · 4.625%
HK$30,207
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,388/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,365
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,278
−HK$928/mo
Today · 4.125%
HK$31,206
baseline
▲ 0.50% · 4.625%
HK$33,105
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,412/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,668
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,544
−HK$889/mo
Today · 4.125%
HK$34,433
baseline
▲ 0.50% · 4.625%
HK$36,248
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,866/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,259
−HK$2,149/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$402,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,113
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,135
−HK$1,037/mo
Today · 4.125%
HK$40,172
baseline
▲ 0.50% · 4.625%
HK$42,290
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,344/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,436 · 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$49,658
+HK$2,848/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$402,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,002
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,317
−HK$1,333/mo
Today · 4.125%
HK$51,650
baseline
▲ 0.50% · 4.625%
HK$54,372
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,300/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,436 · Scale 2, in force from 26 Feb 2026)