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$24,476
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,237
−HK$773/mo
Today · 4.125%
HK$26,010
baseline
▲ 0.50% · 4.625%
HK$27,593
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,020/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,229
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,959
−HK$741/mo
Today · 4.125%
HK$28,700
baseline
▲ 0.50% · 4.625%
HK$30,213
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,400/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,371
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,284
−HK$928/mo
Today · 4.125%
HK$31,212
baseline
▲ 0.50% · 4.625%
HK$33,112
+HK$1,900/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,424/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,675
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,551
−HK$889/mo
Today · 4.125%
HK$34,440
baseline
▲ 0.50% · 4.625%
HK$36,255
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,880/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,266
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,332
−HK$1,083/mo
Today · 4.125%
HK$36,415
baseline
▲ 0.50% · 4.625%
HK$38,630
+HK$2,215/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,830/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,120
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,143
−HK$1,037/mo
Today · 4.125%
HK$40,180
baseline
▲ 0.50% · 4.625%
HK$42,298
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,360/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,056
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,426
−HK$1,393/mo
Today · 4.125%
HK$46,819
baseline
▲ 0.50% · 4.625%
HK$49,667
+HK$2,848/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,638/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,012
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,326
−HK$1,334/mo
Today · 4.125%
HK$51,660
baseline
▲ 0.50% · 4.625%
HK$54,383
+HK$2,723/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,320/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,514 · Scale 2, in force from 26 Feb 2026)