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$24,486
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,248
−HK$774/mo
Today · 4.125%
HK$26,022
baseline
▲ 0.50% · 4.625%
HK$27,605
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,044/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,240
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,971
−HK$741/mo
Today · 4.125%
HK$28,712
baseline
▲ 0.50% · 4.625%
HK$30,226
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,424/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,383
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,297
−HK$929/mo
Today · 4.125%
HK$31,226
baseline
▲ 0.50% · 4.625%
HK$33,126
+HK$1,900/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$62,452/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,689
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,565
−HK$890/mo
Today · 4.125%
HK$34,455
baseline
▲ 0.50% · 4.625%
HK$36,271
+HK$1,816/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$68,910/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,280
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,347
−HK$1,083/mo
Today · 4.125%
HK$36,430
baseline
▲ 0.50% · 4.625%
HK$38,647
+HK$2,217/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,860/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,137
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,159
−HK$1,038/mo
Today · 4.125%
HK$40,197
baseline
▲ 0.50% · 4.625%
HK$42,316
+HK$2,119/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,394/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,075
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,446
−HK$1,393/mo
Today · 4.125%
HK$46,839
baseline
▲ 0.50% · 4.625%
HK$49,689
+HK$2,850/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,678/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,033
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,348
−HK$1,334/mo
Today · 4.125%
HK$51,682
baseline
▲ 0.50% · 4.625%
HK$54,406
+HK$2,724/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,364/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,686 · Scale 2, in force from 26 Feb 2026)