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$24,535
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,298
−HK$775/mo
Today · 4.125%
HK$26,073
baseline
▲ 0.50% · 4.625%
HK$27,660
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,146/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,294
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,026
−HK$743/mo
Today · 4.125%
HK$28,769
baseline
▲ 0.50% · 4.625%
HK$30,286
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,538/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,441
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,357
−HK$931/mo
Today · 4.125%
HK$31,288
baseline
▲ 0.50% · 4.625%
HK$33,191
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$62,576/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,753
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,632
−HK$891/mo
Today · 4.125%
HK$34,523
baseline
▲ 0.50% · 4.625%
HK$36,343
+HK$1,820/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$69,046/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,348
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,417
−HK$1,085/mo
Today · 4.125%
HK$36,502
baseline
▲ 0.50% · 4.625%
HK$38,723
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$73,004/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,212
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,237
−HK$1,040/mo
Today · 4.125%
HK$40,277
baseline
▲ 0.50% · 4.625%
HK$42,400
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,554/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,162
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,536
−HK$1,396/mo
Today · 4.125%
HK$46,932
baseline
▲ 0.50% · 4.625%
HK$49,787
+HK$2,855/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,864/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,130
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,448
−HK$1,336/mo
Today · 4.125%
HK$51,784
baseline
▲ 0.50% · 4.625%
HK$54,514
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,568/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,484 · Scale 2, in force from 26 Feb 2026)