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$24,517
−HK$1,537/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$403,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,275
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,006
−HK$742/mo
Today · 4.125%
HK$28,748
baseline
▲ 0.50% · 4.625%
HK$30,264
+HK$1,516/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$403,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,420
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,335
−HK$930/mo
Today · 4.125%
HK$31,265
baseline
▲ 0.50% · 4.625%
HK$33,167
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,530/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,730
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,607
−HK$891/mo
Today · 4.125%
HK$34,498
baseline
▲ 0.50% · 4.625%
HK$36,316
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,996/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,323
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,391
−HK$1,085/mo
Today · 4.125%
HK$36,476
baseline
▲ 0.50% · 4.625%
HK$38,695
+HK$2,219/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,952/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,184
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,209
−HK$1,038/mo
Today · 4.125%
HK$40,247
baseline
▲ 0.50% · 4.625%
HK$42,369
+HK$2,122/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$403,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,130
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,503
−HK$1,394/mo
Today · 4.125%
HK$46,897
baseline
▲ 0.50% · 4.625%
HK$49,751
+HK$2,854/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$403,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,094
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,411
−HK$1,336/mo
Today · 4.125%
HK$51,747
baseline
▲ 0.50% · 4.625%
HK$54,474
+HK$2,727/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,494/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,190 · Scale 2, in force from 26 Feb 2026)