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$24,525
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,288
−HK$775/mo
Today · 4.125%
HK$26,063
baseline
▲ 0.50% · 4.625%
HK$27,649
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,126/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,284
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,016
−HK$742/mo
Today · 4.125%
HK$28,758
baseline
▲ 0.50% · 4.625%
HK$30,274
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,516/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,431
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,346
−HK$930/mo
Today · 4.125%
HK$31,276
baseline
▲ 0.50% · 4.625%
HK$33,179
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,552/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,741
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,619
−HK$891/mo
Today · 4.125%
HK$34,510
baseline
▲ 0.50% · 4.625%
HK$36,329
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,020/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,336
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,404
−HK$1,085/mo
Today · 4.125%
HK$36,489
baseline
▲ 0.50% · 4.625%
HK$38,709
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,978/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,198
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,223
−HK$1,039/mo
Today · 4.125%
HK$40,262
baseline
▲ 0.50% · 4.625%
HK$42,384
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,524/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,146
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,519
−HK$1,395/mo
Today · 4.125%
HK$46,914
baseline
▲ 0.50% · 4.625%
HK$49,769
+HK$2,855/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,828/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,112
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,429
−HK$1,336/mo
Today · 4.125%
HK$51,765
baseline
▲ 0.50% · 4.625%
HK$54,494
+HK$2,729/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,530/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,335 · Scale 2, in force from 26 Feb 2026)