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$24,508
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,270
−HK$775/mo
Today · 4.125%
HK$26,045
baseline
▲ 0.50% · 4.625%
HK$27,629
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,090/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,265
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,996
−HK$742/mo
Today · 4.125%
HK$28,738
baseline
▲ 0.50% · 4.625%
HK$30,252
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,476/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,409
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,324
−HK$929/mo
Today · 4.125%
HK$31,253
baseline
▲ 0.50% · 4.625%
HK$33,155
+HK$1,902/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$403,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,718
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,595
−HK$890/mo
Today · 4.125%
HK$34,485
baseline
▲ 0.50% · 4.625%
HK$36,303
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,970/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,311
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,378
−HK$1,084/mo
Today · 4.125%
HK$36,462
baseline
▲ 0.50% · 4.625%
HK$38,681
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,924/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,170
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,194
−HK$1,039/mo
Today · 4.125%
HK$40,233
baseline
▲ 0.50% · 4.625%
HK$42,353
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,466/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,114
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,486
−HK$1,394/mo
Today · 4.125%
HK$46,880
baseline
▲ 0.50% · 4.625%
HK$49,733
+HK$2,853/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,760/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,076
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,392
−HK$1,336/mo
Today · 4.125%
HK$51,728
baseline
▲ 0.50% · 4.625%
HK$54,454
+HK$2,726/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,456/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,043 · Scale 2, in force from 26 Feb 2026)