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$24,487
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,249
−HK$774/mo
Today · 4.125%
HK$26,023
baseline
▲ 0.50% · 4.625%
HK$27,606
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,046/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,242
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,972
−HK$742/mo
Today · 4.125%
HK$28,714
baseline
▲ 0.50% · 4.625%
HK$30,227
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,428/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,385
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,299
−HK$928/mo
Today · 4.125%
HK$31,227
baseline
▲ 0.50% · 4.625%
HK$33,128
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$62,454/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,690
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,567
−HK$889/mo
Today · 4.125%
HK$34,456
baseline
▲ 0.50% · 4.625%
HK$36,273
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$68,912/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,282
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,349
−HK$1,083/mo
Today · 4.125%
HK$36,432
baseline
▲ 0.50% · 4.625%
HK$38,649
+HK$2,217/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,864/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,139
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,161
−HK$1,038/mo
Today · 4.125%
HK$40,199
baseline
▲ 0.50% · 4.625%
HK$42,318
+HK$2,119/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,398/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,077
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,448
−HK$1,393/mo
Today · 4.125%
HK$46,841
baseline
▲ 0.50% · 4.625%
HK$49,691
+HK$2,850/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,682/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,035
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,350
−HK$1,335/mo
Today · 4.125%
HK$51,685
baseline
▲ 0.50% · 4.625%
HK$54,409
+HK$2,724/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,370/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,707 · Scale 2, in force from 26 Feb 2026)