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$24,492
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,254
−HK$774/mo
Today · 4.125%
HK$26,028
baseline
▲ 0.50% · 4.625%
HK$27,611
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,056/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,247
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,978
−HK$741/mo
Today · 4.125%
HK$28,719
baseline
▲ 0.50% · 4.625%
HK$30,233
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,438/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,390
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,304
−HK$929/mo
Today · 4.125%
HK$31,233
baseline
▲ 0.50% · 4.625%
HK$33,134
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$62,466/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,696
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,573
−HK$890/mo
Today · 4.125%
HK$34,463
baseline
▲ 0.50% · 4.625%
HK$36,279
+HK$1,816/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$68,926/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,289
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,355
−HK$1,084/mo
Today · 4.125%
HK$36,439
baseline
▲ 0.50% · 4.625%
HK$38,656
+HK$2,217/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,878/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,146
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,169
−HK$1,038/mo
Today · 4.125%
HK$40,207
baseline
▲ 0.50% · 4.625%
HK$42,326
+HK$2,119/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,414/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,085
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,457
−HK$1,393/mo
Today · 4.125%
HK$46,850
baseline
▲ 0.50% · 4.625%
HK$49,701
+HK$2,851/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,700/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,045
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,360
−HK$1,334/mo
Today · 4.125%
HK$51,694
baseline
▲ 0.50% · 4.625%
HK$54,419
+HK$2,725/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,388/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,782 · Scale 2, in force from 26 Feb 2026)