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$24,521
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,283
−HK$775/mo
Today · 4.125%
HK$26,058
baseline
▲ 0.50% · 4.625%
HK$27,644
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,116/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,279
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,011
−HK$742/mo
Today · 4.125%
HK$28,753
baseline
▲ 0.50% · 4.625%
HK$30,268
+HK$1,515/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,506/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,425
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,340
−HK$930/mo
Today · 4.125%
HK$31,270
baseline
▲ 0.50% · 4.625%
HK$33,173
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,540/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,735
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,613
−HK$890/mo
Today · 4.125%
HK$34,503
baseline
▲ 0.50% · 4.625%
HK$36,322
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,006/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,329
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,397
−HK$1,085/mo
Today · 4.125%
HK$36,482
baseline
▲ 0.50% · 4.625%
HK$38,702
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,964/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,191
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,215
−HK$1,039/mo
Today · 4.125%
HK$40,254
baseline
▲ 0.50% · 4.625%
HK$42,376
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,508/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,137
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,510
−HK$1,395/mo
Today · 4.125%
HK$46,905
baseline
▲ 0.50% · 4.625%
HK$49,759
+HK$2,854/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,810/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,102
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,419
−HK$1,336/mo
Today · 4.125%
HK$51,755
baseline
▲ 0.50% · 4.625%
HK$54,483
+HK$2,728/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,510/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,256 · Scale 2, in force from 26 Feb 2026)