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$24,549
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,313
−HK$775/mo
Today · 4.125%
HK$26,088
baseline
▲ 0.50% · 4.625%
HK$27,676
+HK$1,588/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,176/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,311
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,043
−HK$743/mo
Today · 4.125%
HK$28,786
baseline
▲ 0.50% · 4.625%
HK$30,303
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,572/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,459
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,375
−HK$931/mo
Today · 4.125%
HK$31,306
baseline
▲ 0.50% · 4.625%
HK$33,211
+HK$1,905/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,612/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,773
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,652
−HK$891/mo
Today · 4.125%
HK$34,543
baseline
▲ 0.50% · 4.625%
HK$36,364
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,086/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,369
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,438
−HK$1,086/mo
Today · 4.125%
HK$36,524
baseline
▲ 0.50% · 4.625%
HK$38,746
+HK$2,222/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,048/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,235
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,260
−HK$1,040/mo
Today · 4.125%
HK$40,300
baseline
▲ 0.50% · 4.625%
HK$42,425
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,600/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,188
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,563
−HK$1,396/mo
Today · 4.125%
HK$46,959
baseline
▲ 0.50% · 4.625%
HK$49,817
+HK$2,858/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,918/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,159
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,477
−HK$1,338/mo
Today · 4.125%
HK$51,815
baseline
▲ 0.50% · 4.625%
HK$54,546
+HK$2,731/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,630/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,722 · Scale 2, in force from 26 Feb 2026)