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$24,532
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,295
−HK$775/mo
Today · 4.125%
HK$26,070
baseline
▲ 0.50% · 4.625%
HK$27,656
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,140/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,291
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,023
−HK$743/mo
Today · 4.125%
HK$28,766
baseline
▲ 0.50% · 4.625%
HK$30,282
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,532/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,438
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,354
−HK$930/mo
Today · 4.125%
HK$31,284
baseline
▲ 0.50% · 4.625%
HK$33,188
+HK$1,904/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,568/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,750
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,628
−HK$891/mo
Today · 4.125%
HK$34,519
baseline
▲ 0.50% · 4.625%
HK$36,338
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,038/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,344
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,413
−HK$1,085/mo
Today · 4.125%
HK$36,498
baseline
▲ 0.50% · 4.625%
HK$38,719
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,996/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,208
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,233
−HK$1,039/mo
Today · 4.125%
HK$40,272
baseline
▲ 0.50% · 4.625%
HK$42,395
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,544/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,157
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,531
−HK$1,395/mo
Today · 4.125%
HK$46,926
baseline
▲ 0.50% · 4.625%
HK$49,782
+HK$2,856/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,852/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,124
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,442
−HK$1,336/mo
Today · 4.125%
HK$51,778
baseline
▲ 0.50% · 4.625%
HK$54,508
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,556/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,438 · Scale 2, in force from 26 Feb 2026)