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$24,532
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,295
−HK$776/mo
Today · 4.125%
HK$26,071
baseline
▲ 0.50% · 4.625%
HK$27,657
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,142/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,292
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,024
−HK$742/mo
Today · 4.125%
HK$28,766
baseline
▲ 0.50% · 4.625%
HK$30,283
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,532/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,439
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,354
−HK$931/mo
Today · 4.125%
HK$31,285
baseline
▲ 0.50% · 4.625%
HK$33,188
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$62,570/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,750
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,629
−HK$891/mo
Today · 4.125%
HK$34,520
baseline
▲ 0.50% · 4.625%
HK$36,339
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$69,040/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,345
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,413
−HK$1,086/mo
Today · 4.125%
HK$36,499
baseline
▲ 0.50% · 4.625%
HK$38,720
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,998/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,209
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,233
−HK$1,040/mo
Today · 4.125%
HK$40,273
baseline
▲ 0.50% · 4.625%
HK$42,396
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,546/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,158
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,532
−HK$1,395/mo
Today · 4.125%
HK$46,927
baseline
▲ 0.50% · 4.625%
HK$49,782
+HK$2,855/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,854/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,125
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,443
−HK$1,336/mo
Today · 4.125%
HK$51,779
baseline
▲ 0.50% · 4.625%
HK$54,509
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,558/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,445 · Scale 2, in force from 26 Feb 2026)