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$24,509
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,271
−HK$775/mo
Today · 4.125%
HK$26,046
baseline
▲ 0.50% · 4.625%
HK$27,630
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,092/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,266
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,997
−HK$742/mo
Today · 4.125%
HK$28,739
baseline
▲ 0.50% · 4.625%
HK$30,254
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,478/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,410
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,325
−HK$930/mo
Today · 4.125%
HK$31,255
baseline
▲ 0.50% · 4.625%
HK$33,157
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,510/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,719
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,596
−HK$891/mo
Today · 4.125%
HK$34,487
baseline
▲ 0.50% · 4.625%
HK$36,304
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,974/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,312
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,380
−HK$1,084/mo
Today · 4.125%
HK$36,464
baseline
▲ 0.50% · 4.625%
HK$38,683
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,928/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,172
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,196
−HK$1,038/mo
Today · 4.125%
HK$40,234
baseline
▲ 0.50% · 4.625%
HK$42,355
+HK$2,121/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,468/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,116
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,488
−HK$1,394/mo
Today · 4.125%
HK$46,882
baseline
▲ 0.50% · 4.625%
HK$49,735
+HK$2,853/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,764/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,078
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,395
−HK$1,335/mo
Today · 4.125%
HK$51,730
baseline
▲ 0.50% · 4.625%
HK$54,457
+HK$2,727/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,460/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,060 · Scale 2, in force from 26 Feb 2026)