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$24,547
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,310
−HK$776/mo
Today · 4.125%
HK$26,086
baseline
▲ 0.50% · 4.625%
HK$27,673
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,172/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,308
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,040
−HK$743/mo
Today · 4.125%
HK$28,783
baseline
▲ 0.50% · 4.625%
HK$30,300
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,566/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,456
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,372
−HK$931/mo
Today · 4.125%
HK$31,303
baseline
▲ 0.50% · 4.625%
HK$33,208
+HK$1,905/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,606/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,769
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,648
−HK$892/mo
Today · 4.125%
HK$34,540
baseline
▲ 0.50% · 4.625%
HK$36,361
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,080/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,365
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,434
−HK$1,086/mo
Today · 4.125%
HK$36,520
baseline
▲ 0.50% · 4.625%
HK$38,742
+HK$2,222/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,040/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,231
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,256
−HK$1,041/mo
Today · 4.125%
HK$40,297
baseline
▲ 0.50% · 4.625%
HK$42,421
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,594/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,184
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,558
−HK$1,397/mo
Today · 4.125%
HK$46,955
baseline
▲ 0.50% · 4.625%
HK$49,812
+HK$2,857/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,910/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,154
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,472
−HK$1,338/mo
Today · 4.125%
HK$51,810
baseline
▲ 0.50% · 4.625%
HK$54,541
+HK$2,731/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,620/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,682 · Scale 2, in force from 26 Feb 2026)