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$24,555
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,319
−HK$776/mo
Today · 4.125%
HK$26,095
baseline
▲ 0.50% · 4.625%
HK$27,683
+HK$1,588/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,190/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,317
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,050
−HK$743/mo
Today · 4.125%
HK$28,793
baseline
▲ 0.50% · 4.625%
HK$30,311
+HK$1,518/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,586/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,466
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,383
−HK$931/mo
Today · 4.125%
HK$31,314
baseline
▲ 0.50% · 4.625%
HK$33,219
+HK$1,905/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,628/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,781
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,660
−HK$892/mo
Today · 4.125%
HK$34,552
baseline
▲ 0.50% · 4.625%
HK$36,373
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,104/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,377
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,446
−HK$1,087/mo
Today · 4.125%
HK$36,533
baseline
▲ 0.50% · 4.625%
HK$38,756
+HK$2,223/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,066/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,244
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,270
−HK$1,040/mo
Today · 4.125%
HK$40,310
baseline
▲ 0.50% · 4.625%
HK$42,435
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,620/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,199
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,574
−HK$1,397/mo
Today · 4.125%
HK$46,971
baseline
▲ 0.50% · 4.625%
HK$49,829
+HK$2,858/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,942/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,171
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,490
−HK$1,338/mo
Today · 4.125%
HK$51,828
baseline
▲ 0.50% · 4.625%
HK$54,559
+HK$2,731/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,656/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,821 · Scale 2, in force from 26 Feb 2026)