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$24,527
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,290
−HK$775/mo
Today · 4.125%
HK$26,065
baseline
▲ 0.50% · 4.625%
HK$27,651
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,130/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,286
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,018
−HK$743/mo
Today · 4.125%
HK$28,761
baseline
▲ 0.50% · 4.625%
HK$30,277
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,522/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,433
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,348
−HK$931/mo
Today · 4.125%
HK$31,279
baseline
▲ 0.50% · 4.625%
HK$33,182
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,558/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,744
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,622
−HK$891/mo
Today · 4.125%
HK$34,513
baseline
▲ 0.50% · 4.625%
HK$36,332
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,026/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,338
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,406
−HK$1,086/mo
Today · 4.125%
HK$36,492
baseline
▲ 0.50% · 4.625%
HK$38,712
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,984/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,201
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,226
−HK$1,039/mo
Today · 4.125%
HK$40,265
baseline
▲ 0.50% · 4.625%
HK$42,387
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,530/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,149
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,523
−HK$1,395/mo
Today · 4.125%
HK$46,918
baseline
▲ 0.50% · 4.625%
HK$49,773
+HK$2,855/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,836/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,116
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,433
−HK$1,336/mo
Today · 4.125%
HK$51,769
baseline
▲ 0.50% · 4.625%
HK$54,498
+HK$2,729/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,538/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,366 · Scale 2, in force from 26 Feb 2026)