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$24,530
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,293
−HK$776/mo
Today · 4.125%
HK$26,069
baseline
▲ 0.50% · 4.625%
HK$27,655
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,138/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,290
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,022
−HK$742/mo
Today · 4.125%
HK$28,764
baseline
▲ 0.50% · 4.625%
HK$30,280
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,528/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,436
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,352
−HK$930/mo
Today · 4.125%
HK$31,282
baseline
▲ 0.50% · 4.625%
HK$33,186
+HK$1,904/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,564/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,748
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,626
−HK$891/mo
Today · 4.125%
HK$34,517
baseline
▲ 0.50% · 4.625%
HK$36,336
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,034/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,342
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,411
−HK$1,085/mo
Today · 4.125%
HK$36,496
baseline
▲ 0.50% · 4.625%
HK$38,717
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,992/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,206
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,230
−HK$1,040/mo
Today · 4.125%
HK$40,270
baseline
▲ 0.50% · 4.625%
HK$42,392
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,540/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,155
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,528
−HK$1,395/mo
Today · 4.125%
HK$46,923
baseline
▲ 0.50% · 4.625%
HK$49,779
+HK$2,856/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,846/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,122
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,439
−HK$1,336/mo
Today · 4.125%
HK$51,775
baseline
▲ 0.50% · 4.625%
HK$54,505
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,550/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,414 · Scale 2, in force from 26 Feb 2026)