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$24,506
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,268
−HK$774/mo
Today · 4.125%
HK$26,042
baseline
▲ 0.50% · 4.625%
HK$27,627
+HK$1,585/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,084/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,262
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,993
−HK$742/mo
Today · 4.125%
HK$28,735
baseline
▲ 0.50% · 4.625%
HK$30,250
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,470/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,407
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,322
−HK$929/mo
Today · 4.125%
HK$31,251
baseline
▲ 0.50% · 4.625%
HK$33,152
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,502/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,715
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,592
−HK$890/mo
Today · 4.125%
HK$34,482
baseline
▲ 0.50% · 4.625%
HK$36,300
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,964/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,308
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,375
−HK$1,084/mo
Today · 4.125%
HK$36,459
baseline
▲ 0.50% · 4.625%
HK$38,678
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,918/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,167
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,191
−HK$1,038/mo
Today · 4.125%
HK$40,229
baseline
▲ 0.50% · 4.625%
HK$42,350
+HK$2,121/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,458/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,110
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,482
−HK$1,394/mo
Today · 4.125%
HK$46,876
baseline
▲ 0.50% · 4.625%
HK$49,729
+HK$2,853/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,752/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,072
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,388
−HK$1,335/mo
Today · 4.125%
HK$51,723
baseline
▲ 0.50% · 4.625%
HK$54,450
+HK$2,727/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,446/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,009 · Scale 2, in force from 26 Feb 2026)