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$24,468
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,229
−HK$774/mo
Today · 4.125%
HK$26,003
baseline
▲ 0.50% · 4.625%
HK$27,585
+HK$1,582/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,006/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,221
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,951
−HK$740/mo
Today · 4.125%
HK$28,691
baseline
▲ 0.50% · 4.625%
HK$30,204
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,382/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,362
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,275
−HK$928/mo
Today · 4.125%
HK$31,203
baseline
▲ 0.50% · 4.625%
HK$33,102
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,406/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,665
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,541
−HK$888/mo
Today · 4.125%
HK$34,429
baseline
▲ 0.50% · 4.625%
HK$36,244
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,858/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,255
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,321
−HK$1,083/mo
Today · 4.125%
HK$36,404
baseline
▲ 0.50% · 4.625%
HK$38,619
+HK$2,215/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,808/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,109
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,131
−HK$1,037/mo
Today · 4.125%
HK$40,168
baseline
▲ 0.50% · 4.625%
HK$42,285
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,336/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,043
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,413
−HK$1,392/mo
Today · 4.125%
HK$46,805
baseline
▲ 0.50% · 4.625%
HK$49,652
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,610/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,997
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,311
−HK$1,333/mo
Today · 4.125%
HK$51,644
baseline
▲ 0.50% · 4.625%
HK$54,366
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,288/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,392 · Scale 2, in force from 26 Feb 2026)