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$24,539
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,303
−HK$775/mo
Today · 4.125%
HK$26,078
baseline
▲ 0.50% · 4.625%
HK$27,665
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,156/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,300
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,032
−HK$743/mo
Today · 4.125%
HK$28,775
baseline
▲ 0.50% · 4.625%
HK$30,291
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,550/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,447
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,363
−HK$931/mo
Today · 4.125%
HK$31,294
baseline
▲ 0.50% · 4.625%
HK$33,198
+HK$1,904/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$62,588/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,760
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,638
−HK$891/mo
Today · 4.125%
HK$34,529
baseline
▲ 0.50% · 4.625%
HK$36,350
+HK$1,821/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$69,058/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,355
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,424
−HK$1,085/mo
Today · 4.125%
HK$36,509
baseline
▲ 0.50% · 4.625%
HK$38,731
+HK$2,222/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$73,018/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,220
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,245
−HK$1,039/mo
Today · 4.125%
HK$40,284
baseline
▲ 0.50% · 4.625%
HK$42,408
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,568/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,171
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,545
−HK$1,396/mo
Today · 4.125%
HK$46,941
baseline
▲ 0.50% · 4.625%
HK$49,797
+HK$2,856/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,882/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,139
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,457
−HK$1,337/mo
Today · 4.125%
HK$51,794
baseline
▲ 0.50% · 4.625%
HK$54,524
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,588/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,561 · Scale 2, in force from 26 Feb 2026)