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$24,525
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,287
−HK$776/mo
Today · 4.125%
HK$26,063
baseline
▲ 0.50% · 4.625%
HK$27,648
+HK$1,585/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,126/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,283
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,015
−HK$742/mo
Today · 4.125%
HK$28,757
baseline
▲ 0.50% · 4.625%
HK$30,273
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,514/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,430
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,345
−HK$930/mo
Today · 4.125%
HK$31,275
baseline
▲ 0.50% · 4.625%
HK$33,178
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,550/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,740
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,618
−HK$891/mo
Today · 4.125%
HK$34,509
baseline
▲ 0.50% · 4.625%
HK$36,328
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,018/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,335
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,402
−HK$1,086/mo
Today · 4.125%
HK$36,488
baseline
▲ 0.50% · 4.625%
HK$38,708
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,976/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,197
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,221
−HK$1,039/mo
Today · 4.125%
HK$40,260
baseline
▲ 0.50% · 4.625%
HK$42,383
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,520/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,144
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,517
−HK$1,396/mo
Today · 4.125%
HK$46,913
baseline
▲ 0.50% · 4.625%
HK$49,767
+HK$2,854/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,826/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,110
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,427
−HK$1,336/mo
Today · 4.125%
HK$51,763
baseline
▲ 0.50% · 4.625%
HK$54,492
+HK$2,729/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,526/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,321 · Scale 2, in force from 26 Feb 2026)