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$24,493
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,255
−HK$774/mo
Today · 4.125%
HK$26,029
baseline
▲ 0.50% · 4.625%
HK$27,613
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,058/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,249
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,979
−HK$742/mo
Today · 4.125%
HK$28,721
baseline
▲ 0.50% · 4.625%
HK$30,235
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,442/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,392
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,306
−HK$929/mo
Today · 4.125%
HK$31,235
baseline
▲ 0.50% · 4.625%
HK$33,136
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$62,470/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,698
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,575
−HK$890/mo
Today · 4.125%
HK$34,465
baseline
▲ 0.50% · 4.625%
HK$36,282
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$68,930/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,291
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,357
−HK$1,084/mo
Today · 4.125%
HK$36,441
baseline
▲ 0.50% · 4.625%
HK$38,658
+HK$2,217/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,882/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,148
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,171
−HK$1,038/mo
Today · 4.125%
HK$40,209
baseline
▲ 0.50% · 4.625%
HK$42,329
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,418/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,088
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,459
−HK$1,394/mo
Today · 4.125%
HK$46,853
baseline
▲ 0.50% · 4.625%
HK$49,704
+HK$2,851/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,706/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,047
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,363
−HK$1,334/mo
Today · 4.125%
HK$51,697
baseline
▲ 0.50% · 4.625%
HK$54,422
+HK$2,725/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,394/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,806 · Scale 2, in force from 26 Feb 2026)