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$1,537/mo
▼ 0.25% · 3.875%
HK$25,278
−HK$775/mo
Today · 4.125%
HK$26,053
baseline
▲ 0.50% · 4.625%
HK$27,638
+HK$1,585/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,106/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,273
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,005
−HK$742/mo
Today · 4.125%
HK$28,747
baseline
▲ 0.50% · 4.625%
HK$30,262
+HK$1,515/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,494/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,419
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,334
−HK$929/mo
Today · 4.125%
HK$31,263
baseline
▲ 0.50% · 4.625%
HK$33,166
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,526/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,728
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,606
−HK$890/mo
Today · 4.125%
HK$34,496
baseline
▲ 0.50% · 4.625%
HK$36,314
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,992/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,322
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,389
−HK$1,085/mo
Today · 4.125%
HK$36,474
baseline
▲ 0.50% · 4.625%
HK$38,693
+HK$2,219/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,948/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,183
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,207
−HK$1,038/mo
Today · 4.125%
HK$40,245
baseline
▲ 0.50% · 4.625%
HK$42,367
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,490/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,128
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,501
−HK$1,394/mo
Today · 4.125%
HK$46,895
baseline
▲ 0.50% · 4.625%
HK$49,749
+HK$2,854/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,790/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,092
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,409
−HK$1,335/mo
Today · 4.125%
HK$51,744
baseline
▲ 0.50% · 4.625%
HK$54,472
+HK$2,728/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,488/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,171 · Scale 2, in force from 26 Feb 2026)