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$24,527
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,290
−HK$775/mo
Today · 4.125%
HK$26,065
baseline
▲ 0.50% · 4.625%
HK$27,651
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,130/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,286
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,017
−HK$743/mo
Today · 4.125%
HK$28,760
baseline
▲ 0.50% · 4.625%
HK$30,276
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,520/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,432
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,347
−HK$931/mo
Today · 4.125%
HK$31,278
baseline
▲ 0.50% · 4.625%
HK$33,181
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,556/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,743
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,621
−HK$891/mo
Today · 4.125%
HK$34,512
baseline
▲ 0.50% · 4.625%
HK$36,331
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,024/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,337
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,405
−HK$1,085/mo
Today · 4.125%
HK$36,490
baseline
▲ 0.50% · 4.625%
HK$38,711
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,980/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,200
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,224
−HK$1,040/mo
Today · 4.125%
HK$40,264
baseline
▲ 0.50% · 4.625%
HK$42,386
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,528/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,148
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,521
−HK$1,395/mo
Today · 4.125%
HK$46,916
baseline
▲ 0.50% · 4.625%
HK$49,771
+HK$2,855/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,832/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,114
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,431
−HK$1,337/mo
Today · 4.125%
HK$51,768
baseline
▲ 0.50% · 4.625%
HK$54,496
+HK$2,728/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,536/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,353 · Scale 2, in force from 26 Feb 2026)