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$24,521
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,284
−HK$775/mo
Today · 4.125%
HK$26,059
baseline
▲ 0.50% · 4.625%
HK$27,645
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,118/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,280
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,011
−HK$743/mo
Today · 4.125%
HK$28,754
baseline
▲ 0.50% · 4.625%
HK$30,269
+HK$1,515/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,508/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,426
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,341
−HK$930/mo
Today · 4.125%
HK$31,271
baseline
▲ 0.50% · 4.625%
HK$33,174
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,542/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,736
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,614
−HK$890/mo
Today · 4.125%
HK$34,504
baseline
▲ 0.50% · 4.625%
HK$36,323
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,008/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,330
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,398
−HK$1,085/mo
Today · 4.125%
HK$36,483
baseline
▲ 0.50% · 4.625%
HK$38,702
+HK$2,219/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,966/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,192
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,216
−HK$1,039/mo
Today · 4.125%
HK$40,255
baseline
▲ 0.50% · 4.625%
HK$42,377
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,510/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,138
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,511
−HK$1,395/mo
Today · 4.125%
HK$46,906
baseline
▲ 0.50% · 4.625%
HK$49,760
+HK$2,854/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,812/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,103
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,420
−HK$1,336/mo
Today · 4.125%
HK$51,756
baseline
▲ 0.50% · 4.625%
HK$54,484
+HK$2,728/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,512/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,266 · Scale 2, in force from 26 Feb 2026)