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$24,516
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,279
−HK$775/mo
Today · 4.125%
HK$26,054
baseline
▲ 0.50% · 4.625%
HK$27,639
+HK$1,585/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,108/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,274
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,006
−HK$742/mo
Today · 4.125%
HK$28,748
baseline
▲ 0.50% · 4.625%
HK$30,263
+HK$1,515/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,496/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,420
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,335
−HK$929/mo
Today · 4.125%
HK$31,264
baseline
▲ 0.50% · 4.625%
HK$33,167
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,528/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,729
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,607
−HK$890/mo
Today · 4.125%
HK$34,497
baseline
▲ 0.50% · 4.625%
HK$36,316
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,994/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,323
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,390
−HK$1,085/mo
Today · 4.125%
HK$36,475
baseline
▲ 0.50% · 4.625%
HK$38,695
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,950/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,184
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,208
−HK$1,039/mo
Today · 4.125%
HK$40,247
baseline
▲ 0.50% · 4.625%
HK$42,368
+HK$2,121/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,494/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,129
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,502
−HK$1,395/mo
Today · 4.125%
HK$46,897
baseline
▲ 0.50% · 4.625%
HK$49,750
+HK$2,853/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,794/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,093
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,410
−HK$1,336/mo
Today · 4.125%
HK$51,746
baseline
▲ 0.50% · 4.625%
HK$54,473
+HK$2,727/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,492/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,184 · Scale 2, in force from 26 Feb 2026)