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$24,506
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,269
−HK$774/mo
Today · 4.125%
HK$26,043
baseline
▲ 0.50% · 4.625%
HK$27,628
+HK$1,585/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,086/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,263
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,994
−HK$742/mo
Today · 4.125%
HK$28,736
baseline
▲ 0.50% · 4.625%
HK$30,251
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,472/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,408
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,322
−HK$930/mo
Today · 4.125%
HK$31,252
baseline
▲ 0.50% · 4.625%
HK$33,153
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,504/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,716
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,593
−HK$890/mo
Today · 4.125%
HK$34,483
baseline
▲ 0.50% · 4.625%
HK$36,301
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,966/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,309
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,376
−HK$1,084/mo
Today · 4.125%
HK$36,460
baseline
▲ 0.50% · 4.625%
HK$38,679
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,920/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,168
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,192
−HK$1,039/mo
Today · 4.125%
HK$40,231
baseline
▲ 0.50% · 4.625%
HK$42,351
+HK$2,120/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$403,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,112
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,484
−HK$1,394/mo
Today · 4.125%
HK$46,878
baseline
▲ 0.50% · 4.625%
HK$49,730
+HK$2,852/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,756/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,074
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,390
−HK$1,335/mo
Today · 4.125%
HK$51,725
baseline
▲ 0.50% · 4.625%
HK$54,451
+HK$2,726/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,450/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,021 · Scale 2, in force from 26 Feb 2026)