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$24,489
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,251
−HK$773/mo
Today · 4.125%
HK$26,024
baseline
▲ 0.50% · 4.625%
HK$27,608
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,048/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,244
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,974
−HK$741/mo
Today · 4.125%
HK$28,715
baseline
▲ 0.50% · 4.625%
HK$30,229
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,430/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,387
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,301
−HK$928/mo
Today · 4.125%
HK$31,229
baseline
▲ 0.50% · 4.625%
HK$33,130
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$62,458/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,692
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,569
−HK$890/mo
Today · 4.125%
HK$34,459
baseline
▲ 0.50% · 4.625%
HK$36,275
+HK$1,816/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$68,918/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,284
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,351
−HK$1,083/mo
Today · 4.125%
HK$36,434
baseline
▲ 0.50% · 4.625%
HK$38,651
+HK$2,217/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,868/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,141
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,164
−HK$1,038/mo
Today · 4.125%
HK$40,202
baseline
▲ 0.50% · 4.625%
HK$42,321
+HK$2,119/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,404/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,080
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,451
−HK$1,393/mo
Today · 4.125%
HK$46,844
baseline
▲ 0.50% · 4.625%
HK$49,694
+HK$2,850/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,688/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,038
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,354
−HK$1,334/mo
Today · 4.125%
HK$51,688
baseline
▲ 0.50% · 4.625%
HK$54,412
+HK$2,724/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,376/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,732 · Scale 2, in force from 26 Feb 2026)