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$24,500
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,262
−HK$774/mo
Today · 4.125%
HK$26,036
baseline
▲ 0.50% · 4.625%
HK$27,620
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,072/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,256
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,987
−HK$741/mo
Today · 4.125%
HK$28,728
baseline
▲ 0.50% · 4.625%
HK$30,243
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,456/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,400
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,314
−HK$929/mo
Today · 4.125%
HK$31,243
baseline
▲ 0.50% · 4.625%
HK$33,144
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,486/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,707
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,584
−HK$890/mo
Today · 4.125%
HK$34,474
baseline
▲ 0.50% · 4.625%
HK$36,291
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,948/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,300
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,367
−HK$1,084/mo
Today · 4.125%
HK$36,451
baseline
▲ 0.50% · 4.625%
HK$38,669
+HK$2,218/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,902/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,158
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,182
−HK$1,038/mo
Today · 4.125%
HK$40,220
baseline
▲ 0.50% · 4.625%
HK$42,340
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,440/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,100
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,471
−HK$1,394/mo
Today · 4.125%
HK$46,865
baseline
▲ 0.50% · 4.625%
HK$49,717
+HK$2,852/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,730/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,060
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,376
−HK$1,335/mo
Today · 4.125%
HK$51,711
baseline
▲ 0.50% · 4.625%
HK$54,437
+HK$2,726/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,422/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,913 · Scale 2, in force from 26 Feb 2026)