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$24,512
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,275
−HK$774/mo
Today · 4.125%
HK$26,049
baseline
▲ 0.50% · 4.625%
HK$27,634
+HK$1,585/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,098/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,270
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,001
−HK$742/mo
Today · 4.125%
HK$28,743
baseline
▲ 0.50% · 4.625%
HK$30,258
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,486/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,415
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,330
−HK$929/mo
Today · 4.125%
HK$31,259
baseline
▲ 0.50% · 4.625%
HK$33,161
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,518/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,724
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,601
−HK$891/mo
Today · 4.125%
HK$34,492
baseline
▲ 0.50% · 4.625%
HK$36,310
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,984/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,317
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,385
−HK$1,084/mo
Today · 4.125%
HK$36,469
baseline
▲ 0.50% · 4.625%
HK$38,688
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,938/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,178
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,201
−HK$1,039/mo
Today · 4.125%
HK$40,240
baseline
▲ 0.50% · 4.625%
HK$42,361
+HK$2,121/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,480/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,122
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,495
−HK$1,394/mo
Today · 4.125%
HK$46,889
baseline
▲ 0.50% · 4.625%
HK$49,742
+HK$2,853/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,778/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,085
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,402
−HK$1,335/mo
Today · 4.125%
HK$51,737
baseline
▲ 0.50% · 4.625%
HK$54,465
+HK$2,728/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,474/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,118 · Scale 2, in force from 26 Feb 2026)