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$24,483
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,244
−HK$774/mo
Today · 4.125%
HK$26,018
baseline
▲ 0.50% · 4.625%
HK$27,601
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,036/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,237
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,967
−HK$741/mo
Today · 4.125%
HK$28,708
baseline
▲ 0.50% · 4.625%
HK$30,222
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,416/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,379
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,293
−HK$929/mo
Today · 4.125%
HK$31,222
baseline
▲ 0.50% · 4.625%
HK$33,121
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,444/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,684
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,561
−HK$889/mo
Today · 4.125%
HK$34,450
baseline
▲ 0.50% · 4.625%
HK$36,266
+HK$1,816/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,900/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,276
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,342
−HK$1,083/mo
Today · 4.125%
HK$36,425
baseline
▲ 0.50% · 4.625%
HK$38,642
+HK$2,217/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,850/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,131
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,154
−HK$1,038/mo
Today · 4.125%
HK$40,192
baseline
▲ 0.50% · 4.625%
HK$42,310
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,384/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,069
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,440
−HK$1,392/mo
Today · 4.125%
HK$46,832
baseline
▲ 0.50% · 4.625%
HK$49,682
+HK$2,850/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,664/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,026
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,341
−HK$1,334/mo
Today · 4.125%
HK$51,675
baseline
▲ 0.50% · 4.625%
HK$54,399
+HK$2,724/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,350/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,631 · Scale 2, in force from 26 Feb 2026)