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$24,502
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,264
−HK$775/mo
Today · 4.125%
HK$26,039
baseline
▲ 0.50% · 4.625%
HK$27,623
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,078/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,259
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,990
−HK$741/mo
Today · 4.125%
HK$28,731
baseline
▲ 0.50% · 4.625%
HK$30,246
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,462/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,403
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,317
−HK$930/mo
Today · 4.125%
HK$31,247
baseline
▲ 0.50% · 4.625%
HK$33,148
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,494/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,710
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,587
−HK$890/mo
Today · 4.125%
HK$34,477
baseline
▲ 0.50% · 4.625%
HK$36,295
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,954/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,303
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,370
−HK$1,084/mo
Today · 4.125%
HK$36,454
baseline
▲ 0.50% · 4.625%
HK$38,672
+HK$2,218/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,908/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,162
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,185
−HK$1,039/mo
Today · 4.125%
HK$40,224
baseline
▲ 0.50% · 4.625%
HK$42,344
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,448/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,104
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,476
−HK$1,394/mo
Today · 4.125%
HK$46,870
baseline
▲ 0.50% · 4.625%
HK$49,722
+HK$2,852/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,740/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,065
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,381
−HK$1,335/mo
Today · 4.125%
HK$51,716
baseline
▲ 0.50% · 4.625%
HK$54,442
+HK$2,726/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,432/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,953 · Scale 2, in force from 26 Feb 2026)