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$24,513
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,276
−HK$775/mo
Today · 4.125%
HK$26,051
baseline
▲ 0.50% · 4.625%
HK$27,636
+HK$1,585/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,102/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,271
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,002
−HK$742/mo
Today · 4.125%
HK$28,744
baseline
▲ 0.50% · 4.625%
HK$30,259
+HK$1,515/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,488/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,416
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,331
−HK$930/mo
Today · 4.125%
HK$31,261
baseline
▲ 0.50% · 4.625%
HK$33,163
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,522/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,725
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,603
−HK$890/mo
Today · 4.125%
HK$34,493
baseline
▲ 0.50% · 4.625%
HK$36,311
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,986/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,319
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,386
−HK$1,085/mo
Today · 4.125%
HK$36,471
baseline
▲ 0.50% · 4.625%
HK$38,690
+HK$2,219/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,942/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,179
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,203
−HK$1,039/mo
Today · 4.125%
HK$40,242
baseline
▲ 0.50% · 4.625%
HK$42,363
+HK$2,121/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,484/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,124
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,497
−HK$1,394/mo
Today · 4.125%
HK$46,891
baseline
▲ 0.50% · 4.625%
HK$49,744
+HK$2,853/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,782/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,088
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,404
−HK$1,336/mo
Today · 4.125%
HK$51,740
baseline
▲ 0.50% · 4.625%
HK$54,467
+HK$2,727/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,480/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,135 · Scale 2, in force from 26 Feb 2026)