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$24,500
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,263
−HK$774/mo
Today · 4.125%
HK$26,037
baseline
▲ 0.50% · 4.625%
HK$27,621
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,074/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,256
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,987
−HK$742/mo
Today · 4.125%
HK$28,729
baseline
▲ 0.50% · 4.625%
HK$30,243
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,458/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,401
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,315
−HK$929/mo
Today · 4.125%
HK$31,244
baseline
▲ 0.50% · 4.625%
HK$33,145
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,488/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,708
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,585
−HK$890/mo
Today · 4.125%
HK$34,475
baseline
▲ 0.50% · 4.625%
HK$36,292
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,950/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,301
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,368
−HK$1,084/mo
Today · 4.125%
HK$36,452
baseline
▲ 0.50% · 4.625%
HK$38,670
+HK$2,218/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,904/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,159
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,182
−HK$1,039/mo
Today · 4.125%
HK$40,221
baseline
▲ 0.50% · 4.625%
HK$42,341
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,442/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,101
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,473
−HK$1,393/mo
Today · 4.125%
HK$46,866
baseline
▲ 0.50% · 4.625%
HK$49,718
+HK$2,852/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,732/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,062
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,377
−HK$1,335/mo
Today · 4.125%
HK$51,712
baseline
▲ 0.50% · 4.625%
HK$54,438
+HK$2,726/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,424/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,923 · Scale 2, in force from 26 Feb 2026)