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$24,519
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,282
−HK$775/mo
Today · 4.125%
HK$26,057
baseline
▲ 0.50% · 4.625%
HK$27,642
+HK$1,585/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,114/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,278
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,009
−HK$742/mo
Today · 4.125%
HK$28,751
baseline
▲ 0.50% · 4.625%
HK$30,267
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,502/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,423
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,339
−HK$929/mo
Today · 4.125%
HK$31,268
baseline
▲ 0.50% · 4.625%
HK$33,171
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,536/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,733
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,611
−HK$891/mo
Today · 4.125%
HK$34,502
baseline
▲ 0.50% · 4.625%
HK$36,320
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,004/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,327
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,395
−HK$1,085/mo
Today · 4.125%
HK$36,480
baseline
▲ 0.50% · 4.625%
HK$38,699
+HK$2,219/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,960/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,189
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,213
−HK$1,039/mo
Today · 4.125%
HK$40,252
baseline
▲ 0.50% · 4.625%
HK$42,374
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,504/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,135
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,508
−HK$1,395/mo
Today · 4.125%
HK$46,903
baseline
▲ 0.50% · 4.625%
HK$49,756
+HK$2,853/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,806/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,100
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,416
−HK$1,336/mo
Today · 4.125%
HK$51,752
baseline
▲ 0.50% · 4.625%
HK$54,480
+HK$2,728/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,504/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,235 · Scale 2, in force from 26 Feb 2026)