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$24,536
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,299
−HK$776/mo
Today · 4.125%
HK$26,075
baseline
▲ 0.50% · 4.625%
HK$27,661
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,150/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,296
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,028
−HK$743/mo
Today · 4.125%
HK$28,771
baseline
▲ 0.50% · 4.625%
HK$30,287
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,542/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,443
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,359
−HK$931/mo
Today · 4.125%
HK$31,290
baseline
▲ 0.50% · 4.625%
HK$33,194
+HK$1,904/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$62,580/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,755
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,634
−HK$891/mo
Today · 4.125%
HK$34,525
baseline
▲ 0.50% · 4.625%
HK$36,345
+HK$1,820/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$69,050/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,350
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,419
−HK$1,086/mo
Today · 4.125%
HK$36,505
baseline
▲ 0.50% · 4.625%
HK$38,726
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$73,010/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,215
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,239
−HK$1,040/mo
Today · 4.125%
HK$40,279
baseline
▲ 0.50% · 4.625%
HK$42,402
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,558/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,165
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,539
−HK$1,395/mo
Today · 4.125%
HK$46,934
baseline
▲ 0.50% · 4.625%
HK$49,790
+HK$2,856/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,868/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,133
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,451
−HK$1,337/mo
Today · 4.125%
HK$51,788
baseline
▲ 0.50% · 4.625%
HK$54,517
+HK$2,729/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,576/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,509 · Scale 2, in force from 26 Feb 2026)