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$24,518
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,280
−HK$775/mo
Today · 4.125%
HK$26,055
baseline
▲ 0.50% · 4.625%
HK$27,641
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,110/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,276
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,007
−HK$742/mo
Today · 4.125%
HK$28,749
baseline
▲ 0.50% · 4.625%
HK$30,265
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,498/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,421
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,336
−HK$930/mo
Today · 4.125%
HK$31,266
baseline
▲ 0.50% · 4.625%
HK$33,169
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,532/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,731
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,609
−HK$890/mo
Today · 4.125%
HK$34,499
baseline
▲ 0.50% · 4.625%
HK$36,318
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,998/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,325
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,392
−HK$1,085/mo
Today · 4.125%
HK$36,477
baseline
▲ 0.50% · 4.625%
HK$38,697
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,954/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,186
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,210
−HK$1,039/mo
Today · 4.125%
HK$40,249
baseline
▲ 0.50% · 4.625%
HK$42,371
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,498/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,132
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,505
−HK$1,394/mo
Today · 4.125%
HK$46,899
baseline
▲ 0.50% · 4.625%
HK$49,753
+HK$2,854/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,798/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,096
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,413
−HK$1,336/mo
Today · 4.125%
HK$51,749
baseline
▲ 0.50% · 4.625%
HK$54,476
+HK$2,727/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,498/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,206 · Scale 2, in force from 26 Feb 2026)