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$24,507
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,269
−HK$775/mo
Today · 4.125%
HK$26,044
baseline
▲ 0.50% · 4.625%
HK$27,628
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,088/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,264
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,995
−HK$742/mo
Today · 4.125%
HK$28,737
baseline
▲ 0.50% · 4.625%
HK$30,251
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,474/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,408
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,323
−HK$930/mo
Today · 4.125%
HK$31,253
baseline
▲ 0.50% · 4.625%
HK$33,154
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,506/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,717
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,594
−HK$890/mo
Today · 4.125%
HK$34,484
baseline
▲ 0.50% · 4.625%
HK$36,302
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,968/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,310
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,377
−HK$1,084/mo
Today · 4.125%
HK$36,461
baseline
▲ 0.50% · 4.625%
HK$38,680
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,922/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,169
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,193
−HK$1,038/mo
Today · 4.125%
HK$40,231
baseline
▲ 0.50% · 4.625%
HK$42,352
+HK$2,121/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,462/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,113
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,485
−HK$1,394/mo
Today · 4.125%
HK$46,879
baseline
▲ 0.50% · 4.625%
HK$49,731
+HK$2,852/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,758/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,075
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,391
−HK$1,335/mo
Today · 4.125%
HK$51,726
baseline
▲ 0.50% · 4.625%
HK$54,453
+HK$2,727/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,452/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,030 · Scale 2, in force from 26 Feb 2026)