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$24,533
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,297
−HK$775/mo
Today · 4.125%
HK$26,072
baseline
▲ 0.50% · 4.625%
HK$27,658
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,144/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,293
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,025
−HK$743/mo
Today · 4.125%
HK$28,768
baseline
▲ 0.50% · 4.625%
HK$30,284
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,536/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,440
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,356
−HK$930/mo
Today · 4.125%
HK$31,286
baseline
▲ 0.50% · 4.625%
HK$33,190
+HK$1,904/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$62,572/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,752
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,630
−HK$891/mo
Today · 4.125%
HK$34,521
baseline
▲ 0.50% · 4.625%
HK$36,341
+HK$1,820/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$69,042/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,347
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,415
−HK$1,086/mo
Today · 4.125%
HK$36,501
baseline
▲ 0.50% · 4.625%
HK$38,722
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$73,002/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,211
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,235
−HK$1,040/mo
Today · 4.125%
HK$40,275
baseline
▲ 0.50% · 4.625%
HK$42,398
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,550/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,160
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,534
−HK$1,395/mo
Today · 4.125%
HK$46,929
baseline
▲ 0.50% · 4.625%
HK$49,785
+HK$2,856/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,858/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,128
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,445
−HK$1,337/mo
Today · 4.125%
HK$51,782
baseline
▲ 0.50% · 4.625%
HK$54,512
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,564/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,466 · Scale 2, in force from 26 Feb 2026)