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$24,515
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,277
−HK$775/mo
Today · 4.125%
HK$26,052
baseline
▲ 0.50% · 4.625%
HK$27,637
+HK$1,585/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,104/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,273
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,004
−HK$742/mo
Today · 4.125%
HK$28,746
baseline
▲ 0.50% · 4.625%
HK$30,261
+HK$1,515/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,492/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,418
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,333
−HK$930/mo
Today · 4.125%
HK$31,263
baseline
▲ 0.50% · 4.625%
HK$33,165
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,526/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,727
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,605
−HK$890/mo
Today · 4.125%
HK$34,495
baseline
▲ 0.50% · 4.625%
HK$36,314
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,990/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,321
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,388
−HK$1,085/mo
Today · 4.125%
HK$36,473
baseline
▲ 0.50% · 4.625%
HK$38,692
+HK$2,219/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,946/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,182
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,206
−HK$1,038/mo
Today · 4.125%
HK$40,244
baseline
▲ 0.50% · 4.625%
HK$42,366
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,488/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,127
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,499
−HK$1,395/mo
Today · 4.125%
HK$46,894
baseline
▲ 0.50% · 4.625%
HK$49,747
+HK$2,853/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,788/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,091
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,407
−HK$1,336/mo
Today · 4.125%
HK$51,743
baseline
▲ 0.50% · 4.625%
HK$54,470
+HK$2,727/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,486/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,161 · Scale 2, in force from 26 Feb 2026)