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$24,519
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,282
−HK$774/mo
Today · 4.125%
HK$26,056
baseline
▲ 0.50% · 4.625%
HK$27,642
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,112/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,277
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,009
−HK$742/mo
Today · 4.125%
HK$28,751
baseline
▲ 0.50% · 4.625%
HK$30,266
+HK$1,515/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,502/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,423
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,338
−HK$930/mo
Today · 4.125%
HK$31,268
baseline
▲ 0.50% · 4.625%
HK$33,170
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,536/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,732
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,610
−HK$891/mo
Today · 4.125%
HK$34,501
baseline
▲ 0.50% · 4.625%
HK$36,319
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,002/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,326
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,394
−HK$1,085/mo
Today · 4.125%
HK$36,479
baseline
▲ 0.50% · 4.625%
HK$38,699
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,958/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,188
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,212
−HK$1,039/mo
Today · 4.125%
HK$40,251
baseline
▲ 0.50% · 4.625%
HK$42,373
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,502/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,134
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,507
−HK$1,395/mo
Today · 4.125%
HK$46,902
baseline
▲ 0.50% · 4.625%
HK$49,755
+HK$2,853/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,804/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,099
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,415
−HK$1,336/mo
Today · 4.125%
HK$51,751
baseline
▲ 0.50% · 4.625%
HK$54,479
+HK$2,728/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,502/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,227 · Scale 2, in force from 26 Feb 2026)