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$24,476
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,237
−HK$774/mo
Today · 4.125%
HK$26,011
baseline
▲ 0.50% · 4.625%
HK$27,594
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,022/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,229
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,960
−HK$741/mo
Today · 4.125%
HK$28,701
baseline
▲ 0.50% · 4.625%
HK$30,213
+HK$1,512/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,402/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,371
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,285
−HK$928/mo
Today · 4.125%
HK$31,213
baseline
▲ 0.50% · 4.625%
HK$33,112
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,426/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,675
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,552
−HK$889/mo
Today · 4.125%
HK$34,441
baseline
▲ 0.50% · 4.625%
HK$36,256
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,882/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,267
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,332
−HK$1,083/mo
Today · 4.125%
HK$36,415
baseline
▲ 0.50% · 4.625%
HK$38,631
+HK$2,216/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,830/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,121
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,144
−HK$1,037/mo
Today · 4.125%
HK$40,181
baseline
▲ 0.50% · 4.625%
HK$42,299
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,362/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,057
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,427
−HK$1,393/mo
Today · 4.125%
HK$46,820
baseline
▲ 0.50% · 4.625%
HK$49,669
+HK$2,849/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,640/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,013
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,328
−HK$1,333/mo
Today · 4.125%
HK$51,661
baseline
▲ 0.50% · 4.625%
HK$54,384
+HK$2,723/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,322/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,523 · Scale 2, in force from 26 Feb 2026)