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$24,469
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,230
−HK$773/mo
Today · 4.125%
HK$26,003
baseline
▲ 0.50% · 4.625%
HK$27,585
+HK$1,582/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,006/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,221
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,951
−HK$741/mo
Today · 4.125%
HK$28,692
baseline
▲ 0.50% · 4.625%
HK$30,204
+HK$1,512/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,384/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,363
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,276
−HK$928/mo
Today · 4.125%
HK$31,204
baseline
▲ 0.50% · 4.625%
HK$33,103
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,408/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,666
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,542
−HK$888/mo
Today · 4.125%
HK$34,430
baseline
▲ 0.50% · 4.625%
HK$36,245
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,860/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,256
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,322
−HK$1,082/mo
Today · 4.125%
HK$36,404
baseline
▲ 0.50% · 4.625%
HK$38,620
+HK$2,216/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,808/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,110
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,132
−HK$1,037/mo
Today · 4.125%
HK$40,169
baseline
▲ 0.50% · 4.625%
HK$42,286
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,338/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,044
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,414
−HK$1,392/mo
Today · 4.125%
HK$46,806
baseline
▲ 0.50% · 4.625%
HK$49,654
+HK$2,848/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,612/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,998
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,312
−HK$1,334/mo
Today · 4.125%
HK$51,646
baseline
▲ 0.50% · 4.625%
HK$54,368
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,292/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,403 · Scale 2, in force from 26 Feb 2026)