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$24,514
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,276
−HK$775/mo
Today · 4.125%
HK$26,051
baseline
▲ 0.50% · 4.625%
HK$27,636
+HK$1,585/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,102/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,271
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,003
−HK$742/mo
Today · 4.125%
HK$28,745
baseline
▲ 0.50% · 4.625%
HK$30,260
+HK$1,515/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,490/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,417
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,332
−HK$929/mo
Today · 4.125%
HK$31,261
baseline
▲ 0.50% · 4.625%
HK$33,163
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,522/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,726
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,603
−HK$891/mo
Today · 4.125%
HK$34,494
baseline
▲ 0.50% · 4.625%
HK$36,312
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,988/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,319
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,387
−HK$1,084/mo
Today · 4.125%
HK$36,471
baseline
▲ 0.50% · 4.625%
HK$38,691
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,942/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,180
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,204
−HK$1,039/mo
Today · 4.125%
HK$40,243
baseline
▲ 0.50% · 4.625%
HK$42,364
+HK$2,121/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,486/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,125
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,497
−HK$1,395/mo
Today · 4.125%
HK$46,892
baseline
▲ 0.50% · 4.625%
HK$49,745
+HK$2,853/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,784/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,088
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,405
−HK$1,335/mo
Today · 4.125%
HK$51,740
baseline
▲ 0.50% · 4.625%
HK$54,468
+HK$2,728/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,480/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,142 · Scale 2, in force from 26 Feb 2026)