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$24,498
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,260
−HK$774/mo
Today · 4.125%
HK$26,034
baseline
▲ 0.50% · 4.625%
HK$27,618
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,068/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,254
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,985
−HK$741/mo
Today · 4.125%
HK$28,726
baseline
▲ 0.50% · 4.625%
HK$30,240
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,452/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,397
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,312
−HK$929/mo
Today · 4.125%
HK$31,241
baseline
▲ 0.50% · 4.625%
HK$33,142
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,482/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,704
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,581
−HK$890/mo
Today · 4.125%
HK$34,471
baseline
▲ 0.50% · 4.625%
HK$36,288
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,942/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,297
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,364
−HK$1,084/mo
Today · 4.125%
HK$36,448
baseline
▲ 0.50% · 4.625%
HK$38,666
+HK$2,218/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,896/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,155
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,178
−HK$1,038/mo
Today · 4.125%
HK$40,216
baseline
▲ 0.50% · 4.625%
HK$42,336
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,432/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,096
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,468
−HK$1,393/mo
Today · 4.125%
HK$46,861
baseline
▲ 0.50% · 4.625%
HK$49,713
+HK$2,852/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,722/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,057
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,372
−HK$1,335/mo
Today · 4.125%
HK$51,707
baseline
▲ 0.50% · 4.625%
HK$54,432
+HK$2,725/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,414/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,881 · Scale 2, in force from 26 Feb 2026)