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$24,503
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,265
−HK$774/mo
Today · 4.125%
HK$26,039
baseline
▲ 0.50% · 4.625%
HK$27,624
+HK$1,585/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,078/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,259
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,990
−HK$742/mo
Today · 4.125%
HK$28,732
baseline
▲ 0.50% · 4.625%
HK$30,247
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,464/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,404
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,318
−HK$929/mo
Today · 4.125%
HK$31,247
baseline
▲ 0.50% · 4.625%
HK$33,149
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,494/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,711
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,588
−HK$890/mo
Today · 4.125%
HK$34,478
baseline
▲ 0.50% · 4.625%
HK$36,296
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,956/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,304
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,371
−HK$1,084/mo
Today · 4.125%
HK$36,455
baseline
▲ 0.50% · 4.625%
HK$38,674
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,910/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,163
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,187
−HK$1,038/mo
Today · 4.125%
HK$40,225
baseline
▲ 0.50% · 4.625%
HK$42,345
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,450/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,105
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,477
−HK$1,394/mo
Today · 4.125%
HK$46,871
baseline
▲ 0.50% · 4.625%
HK$49,723
+HK$2,852/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,742/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,067
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,383
−HK$1,335/mo
Today · 4.125%
HK$51,718
baseline
▲ 0.50% · 4.625%
HK$54,444
+HK$2,726/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,436/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,964 · Scale 2, in force from 26 Feb 2026)