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$24,529
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,292
−HK$776/mo
Today · 4.125%
HK$26,068
baseline
▲ 0.50% · 4.625%
HK$27,654
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,136/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,289
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,021
−HK$742/mo
Today · 4.125%
HK$28,763
baseline
▲ 0.50% · 4.625%
HK$30,279
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,526/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,435
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,351
−HK$930/mo
Today · 4.125%
HK$31,281
baseline
▲ 0.50% · 4.625%
HK$33,184
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,562/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,746
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,625
−HK$891/mo
Today · 4.125%
HK$34,516
baseline
▲ 0.50% · 4.625%
HK$36,335
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,032/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,341
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,409
−HK$1,086/mo
Today · 4.125%
HK$36,495
baseline
▲ 0.50% · 4.625%
HK$38,715
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,990/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,204
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,229
−HK$1,039/mo
Today · 4.125%
HK$40,268
baseline
▲ 0.50% · 4.625%
HK$42,391
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,536/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,153
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,526
−HK$1,396/mo
Today · 4.125%
HK$46,922
baseline
▲ 0.50% · 4.625%
HK$49,777
+HK$2,855/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,844/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,120
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,437
−HK$1,336/mo
Today · 4.125%
HK$51,773
baseline
▲ 0.50% · 4.625%
HK$54,502
+HK$2,729/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,546/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,399 · Scale 2, in force from 26 Feb 2026)