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$24,552
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,316
−HK$776/mo
Today · 4.125%
HK$26,092
baseline
▲ 0.50% · 4.625%
HK$27,680
+HK$1,588/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,184/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,314
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,047
−HK$743/mo
Today · 4.125%
HK$28,790
baseline
▲ 0.50% · 4.625%
HK$30,307
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,580/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,463
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,379
−HK$931/mo
Today · 4.125%
HK$31,310
baseline
▲ 0.50% · 4.625%
HK$33,216
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,620/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,777
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,656
−HK$892/mo
Today · 4.125%
HK$34,548
baseline
▲ 0.50% · 4.625%
HK$36,369
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,096/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,373
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,442
−HK$1,087/mo
Today · 4.125%
HK$36,529
baseline
▲ 0.50% · 4.625%
HK$38,751
+HK$2,222/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,058/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,240
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,265
−HK$1,041/mo
Today · 4.125%
HK$40,306
baseline
▲ 0.50% · 4.625%
HK$42,430
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,612/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,194
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,569
−HK$1,397/mo
Today · 4.125%
HK$46,966
baseline
▲ 0.50% · 4.625%
HK$49,823
+HK$2,857/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,932/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,166
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,484
−HK$1,338/mo
Today · 4.125%
HK$51,822
baseline
▲ 0.50% · 4.625%
HK$54,553
+HK$2,731/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,644/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,776 · Scale 2, in force from 26 Feb 2026)