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$24,548
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,312
−HK$775/mo
Today · 4.125%
HK$26,087
baseline
▲ 0.50% · 4.625%
HK$27,675
+HK$1,588/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,174/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,309
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,042
−HK$743/mo
Today · 4.125%
HK$28,785
baseline
▲ 0.50% · 4.625%
HK$30,302
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,570/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,458
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,374
−HK$931/mo
Today · 4.125%
HK$31,305
baseline
▲ 0.50% · 4.625%
HK$33,210
+HK$1,905/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,610/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,771
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,650
−HK$892/mo
Today · 4.125%
HK$34,542
baseline
▲ 0.50% · 4.625%
HK$36,363
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,084/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,367
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,436
−HK$1,086/mo
Today · 4.125%
HK$36,522
baseline
▲ 0.50% · 4.625%
HK$38,745
+HK$2,223/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,044/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,233
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,259
−HK$1,040/mo
Today · 4.125%
HK$40,299
baseline
▲ 0.50% · 4.625%
HK$42,423
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,598/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,186
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,561
−HK$1,396/mo
Today · 4.125%
HK$46,957
baseline
▲ 0.50% · 4.625%
HK$49,815
+HK$2,858/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,914/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,157
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,475
−HK$1,338/mo
Today · 4.125%
HK$51,813
baseline
▲ 0.50% · 4.625%
HK$54,544
+HK$2,731/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,626/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,705 · Scale 2, in force from 26 Feb 2026)