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$24,480
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,241
−HK$774/mo
Today · 4.125%
HK$26,015
baseline
▲ 0.50% · 4.625%
HK$27,598
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,030/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,234
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,964
−HK$741/mo
Today · 4.125%
HK$28,705
baseline
▲ 0.50% · 4.625%
HK$30,218
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,410/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,376
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,290
−HK$928/mo
Today · 4.125%
HK$31,218
baseline
▲ 0.50% · 4.625%
HK$33,118
+HK$1,900/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,436/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,680
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,557
−HK$889/mo
Today · 4.125%
HK$34,446
baseline
▲ 0.50% · 4.625%
HK$36,262
+HK$1,816/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,892/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,272
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,338
−HK$1,083/mo
Today · 4.125%
HK$36,421
baseline
▲ 0.50% · 4.625%
HK$38,637
+HK$2,216/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,842/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,127
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,150
−HK$1,037/mo
Today · 4.125%
HK$40,187
baseline
▲ 0.50% · 4.625%
HK$42,305
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,374/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,064
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,434
−HK$1,393/mo
Today · 4.125%
HK$46,827
baseline
▲ 0.50% · 4.625%
HK$49,676
+HK$2,849/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,654/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,020
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,335
−HK$1,334/mo
Today · 4.125%
HK$51,669
baseline
▲ 0.50% · 4.625%
HK$54,392
+HK$2,723/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,338/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,585 · Scale 2, in force from 26 Feb 2026)