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$24,543
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,306
−HK$776/mo
Today · 4.125%
HK$26,082
baseline
▲ 0.50% · 4.625%
HK$27,669
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,164/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,304
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,036
−HK$743/mo
Today · 4.125%
HK$28,779
baseline
▲ 0.50% · 4.625%
HK$30,296
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,558/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,452
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,368
−HK$930/mo
Today · 4.125%
HK$31,298
baseline
▲ 0.50% · 4.625%
HK$33,203
+HK$1,905/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,596/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,765
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,643
−HK$892/mo
Today · 4.125%
HK$34,535
baseline
▲ 0.50% · 4.625%
HK$36,355
+HK$1,820/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,070/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,360
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,429
−HK$1,086/mo
Today · 4.125%
HK$36,515
baseline
▲ 0.50% · 4.625%
HK$38,737
+HK$2,222/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$73,030/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,225
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,251
−HK$1,040/mo
Today · 4.125%
HK$40,291
baseline
▲ 0.50% · 4.625%
HK$42,414
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,582/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,177
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,552
−HK$1,396/mo
Today · 4.125%
HK$46,948
baseline
▲ 0.50% · 4.625%
HK$49,804
+HK$2,856/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,896/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,147
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,465
−HK$1,337/mo
Today · 4.125%
HK$51,802
baseline
▲ 0.50% · 4.625%
HK$54,533
+HK$2,731/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,604/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,622 · Scale 2, in force from 26 Feb 2026)