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$24,537
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,300
−HK$775/mo
Today · 4.125%
HK$26,075
baseline
▲ 0.50% · 4.625%
HK$27,662
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,150/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,297
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,029
−HK$743/mo
Today · 4.125%
HK$28,772
baseline
▲ 0.50% · 4.625%
HK$30,288
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,544/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,444
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,360
−HK$931/mo
Today · 4.125%
HK$31,291
baseline
▲ 0.50% · 4.625%
HK$33,194
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$62,582/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,756
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,635
−HK$891/mo
Today · 4.125%
HK$34,526
baseline
▲ 0.50% · 4.625%
HK$36,346
+HK$1,820/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$69,052/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,351
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,420
−HK$1,086/mo
Today · 4.125%
HK$36,506
baseline
▲ 0.50% · 4.625%
HK$38,727
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$73,012/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,216
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,241
−HK$1,039/mo
Today · 4.125%
HK$40,280
baseline
▲ 0.50% · 4.625%
HK$42,404
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,560/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,166
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,540
−HK$1,396/mo
Today · 4.125%
HK$46,936
baseline
▲ 0.50% · 4.625%
HK$49,792
+HK$2,856/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,872/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,134
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,452
−HK$1,337/mo
Today · 4.125%
HK$51,789
baseline
▲ 0.50% · 4.625%
HK$54,519
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,578/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,521 · Scale 2, in force from 26 Feb 2026)