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$24,511
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,273
−HK$775/mo
Today · 4.125%
HK$26,048
baseline
▲ 0.50% · 4.625%
HK$27,633
+HK$1,585/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,096/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,268
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,999
−HK$742/mo
Today · 4.125%
HK$28,741
baseline
▲ 0.50% · 4.625%
HK$30,256
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,482/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,413
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,328
−HK$929/mo
Today · 4.125%
HK$31,257
baseline
▲ 0.50% · 4.625%
HK$33,159
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,514/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,722
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,599
−HK$890/mo
Today · 4.125%
HK$34,489
baseline
▲ 0.50% · 4.625%
HK$36,307
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,978/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,315
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,383
−HK$1,084/mo
Today · 4.125%
HK$36,467
baseline
▲ 0.50% · 4.625%
HK$38,686
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,934/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,175
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,199
−HK$1,039/mo
Today · 4.125%
HK$40,238
baseline
▲ 0.50% · 4.625%
HK$42,359
+HK$2,121/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,476/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,119
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,492
−HK$1,394/mo
Today · 4.125%
HK$46,886
baseline
▲ 0.50% · 4.625%
HK$49,739
+HK$2,853/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,772/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,082
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,399
−HK$1,335/mo
Today · 4.125%
HK$51,734
baseline
▲ 0.50% · 4.625%
HK$54,461
+HK$2,727/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,468/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,093 · Scale 2, in force from 26 Feb 2026)