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$24,547
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,311
−HK$775/mo
Today · 4.125%
HK$26,086
baseline
▲ 0.50% · 4.625%
HK$27,674
+HK$1,588/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,172/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,308
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,041
−HK$743/mo
Today · 4.125%
HK$28,784
baseline
▲ 0.50% · 4.625%
HK$30,301
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,568/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,456
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,373
−HK$931/mo
Today · 4.125%
HK$31,304
baseline
▲ 0.50% · 4.625%
HK$33,208
+HK$1,904/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,608/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,770
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,649
−HK$891/mo
Today · 4.125%
HK$34,540
baseline
▲ 0.50% · 4.625%
HK$36,361
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,080/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,366
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,435
−HK$1,086/mo
Today · 4.125%
HK$36,521
baseline
▲ 0.50% · 4.625%
HK$38,743
+HK$2,222/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,042/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,232
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,257
−HK$1,040/mo
Today · 4.125%
HK$40,297
baseline
▲ 0.50% · 4.625%
HK$42,421
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,594/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,185
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,559
−HK$1,396/mo
Today · 4.125%
HK$46,955
baseline
▲ 0.50% · 4.625%
HK$49,812
+HK$2,857/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,910/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,155
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,473
−HK$1,338/mo
Today · 4.125%
HK$51,811
baseline
▲ 0.50% · 4.625%
HK$54,542
+HK$2,731/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,622/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,688 · Scale 2, in force from 26 Feb 2026)