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$24,536
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,299
−HK$775/mo
Today · 4.125%
HK$26,074
baseline
▲ 0.50% · 4.625%
HK$27,661
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,148/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,296
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,028
−HK$742/mo
Today · 4.125%
HK$28,770
baseline
▲ 0.50% · 4.625%
HK$30,287
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,540/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,443
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,358
−HK$931/mo
Today · 4.125%
HK$31,289
baseline
▲ 0.50% · 4.625%
HK$33,193
+HK$1,904/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$62,578/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,755
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,633
−HK$891/mo
Today · 4.125%
HK$34,524
baseline
▲ 0.50% · 4.625%
HK$36,344
+HK$1,820/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$69,048/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,350
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,418
−HK$1,086/mo
Today · 4.125%
HK$36,504
baseline
▲ 0.50% · 4.625%
HK$38,725
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$73,008/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,214
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,239
−HK$1,039/mo
Today · 4.125%
HK$40,278
baseline
▲ 0.50% · 4.625%
HK$42,401
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,556/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,164
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,538
−HK$1,395/mo
Today · 4.125%
HK$46,933
baseline
▲ 0.50% · 4.625%
HK$49,789
+HK$2,856/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,866/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,132
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,450
−HK$1,336/mo
Today · 4.125%
HK$51,786
baseline
▲ 0.50% · 4.625%
HK$54,516
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,572/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,500 · Scale 2, in force from 26 Feb 2026)