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$24,542
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,306
−HK$775/mo
Today · 4.125%
HK$26,081
baseline
▲ 0.50% · 4.625%
HK$27,668
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,162/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,303
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,035
−HK$743/mo
Today · 4.125%
HK$28,778
baseline
▲ 0.50% · 4.625%
HK$30,295
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,556/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,451
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,367
−HK$931/mo
Today · 4.125%
HK$31,298
baseline
▲ 0.50% · 4.625%
HK$33,202
+HK$1,904/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,596/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,764
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,642
−HK$892/mo
Today · 4.125%
HK$34,534
baseline
▲ 0.50% · 4.625%
HK$36,354
+HK$1,820/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,068/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,359
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,428
−HK$1,086/mo
Today · 4.125%
HK$36,514
baseline
▲ 0.50% · 4.625%
HK$38,736
+HK$2,222/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$73,028/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,224
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,249
−HK$1,040/mo
Today · 4.125%
HK$40,289
baseline
▲ 0.50% · 4.625%
HK$42,413
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,578/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,176
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,550
−HK$1,396/mo
Today · 4.125%
HK$46,946
baseline
▲ 0.50% · 4.625%
HK$49,803
+HK$2,857/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,892/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,146
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,464
−HK$1,337/mo
Today · 4.125%
HK$51,801
baseline
▲ 0.50% · 4.625%
HK$54,531
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,602/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,612 · Scale 2, in force from 26 Feb 2026)