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$24,466
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,227
−HK$773/mo
Today · 4.125%
HK$26,000
baseline
▲ 0.50% · 4.625%
HK$27,582
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$52,000/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,218
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,948
−HK$741/mo
Today · 4.125%
HK$28,689
baseline
▲ 0.50% · 4.625%
HK$30,201
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,378/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,359
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,272
−HK$928/mo
Today · 4.125%
HK$31,200
baseline
▲ 0.50% · 4.625%
HK$33,099
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,400/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,662
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,538
−HK$888/mo
Today · 4.125%
HK$34,426
baseline
▲ 0.50% · 4.625%
HK$36,241
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,852/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,252
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,318
−HK$1,082/mo
Today · 4.125%
HK$36,400
baseline
▲ 0.50% · 4.625%
HK$38,615
+HK$2,215/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,800/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,105
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,127
−HK$1,037/mo
Today · 4.125%
HK$40,164
baseline
▲ 0.50% · 4.625%
HK$42,281
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,328/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,039
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,408
−HK$1,392/mo
Today · 4.125%
HK$46,800
baseline
▲ 0.50% · 4.625%
HK$49,648
+HK$2,848/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,600/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,992
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,306
−HK$1,333/mo
Today · 4.125%
HK$51,639
baseline
▲ 0.50% · 4.625%
HK$54,361
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,278/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,354 · Scale 2, in force from 26 Feb 2026)