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$24,531
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,294
−HK$775/mo
Today · 4.125%
HK$26,069
baseline
▲ 0.50% · 4.625%
HK$27,655
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,138/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,290
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,022
−HK$743/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,281
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,437
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,353
−HK$930/mo
Today · 4.125%
HK$31,283
baseline
▲ 0.50% · 4.625%
HK$33,186
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,566/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,748
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,626
−HK$891/mo
Today · 4.125%
HK$34,517
baseline
▲ 0.50% · 4.625%
HK$36,337
+HK$1,820/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,034/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,343
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,411
−HK$1,086/mo
Today · 4.125%
HK$36,497
baseline
▲ 0.50% · 4.625%
HK$38,717
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,994/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,206
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,231
−HK$1,039/mo
Today · 4.125%
HK$40,270
baseline
▲ 0.50% · 4.625%
HK$42,393
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,540/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,155
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,529
−HK$1,395/mo
Today · 4.125%
HK$46,924
baseline
▲ 0.50% · 4.625%
HK$49,779
+HK$2,855/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,848/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,122
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,440
−HK$1,336/mo
Today · 4.125%
HK$51,776
baseline
▲ 0.50% · 4.625%
HK$54,505
+HK$2,729/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,552/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,421 · Scale 2, in force from 26 Feb 2026)