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$24,552
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,315
−HK$776/mo
Today · 4.125%
HK$26,091
baseline
▲ 0.50% · 4.625%
HK$27,679
+HK$1,588/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,182/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,313
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,046
−HK$743/mo
Today · 4.125%
HK$28,789
baseline
▲ 0.50% · 4.625%
HK$30,306
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,578/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,462
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,378
−HK$931/mo
Today · 4.125%
HK$31,309
baseline
▲ 0.50% · 4.625%
HK$33,214
+HK$1,905/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,618/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,776
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,655
−HK$892/mo
Today · 4.125%
HK$34,547
baseline
▲ 0.50% · 4.625%
HK$36,368
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,094/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,372
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,441
−HK$1,087/mo
Today · 4.125%
HK$36,528
baseline
▲ 0.50% · 4.625%
HK$38,750
+HK$2,222/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,056/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,239
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,264
−HK$1,041/mo
Today · 4.125%
HK$40,305
baseline
▲ 0.50% · 4.625%
HK$42,429
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,610/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,193
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,567
−HK$1,397/mo
Today · 4.125%
HK$46,964
baseline
▲ 0.50% · 4.625%
HK$49,822
+HK$2,858/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,928/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,164
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,482
−HK$1,338/mo
Today · 4.125%
HK$51,820
baseline
▲ 0.50% · 4.625%
HK$54,552
+HK$2,732/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,640/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,763 · Scale 2, in force from 26 Feb 2026)