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$24,554
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,318
−HK$776/mo
Today · 4.125%
HK$26,094
baseline
▲ 0.50% · 4.625%
HK$27,682
+HK$1,588/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,188/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,316
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,049
−HK$743/mo
Today · 4.125%
HK$28,792
baseline
▲ 0.50% · 4.625%
HK$30,310
+HK$1,518/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,584/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,465
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,381
−HK$932/mo
Today · 4.125%
HK$31,313
baseline
▲ 0.50% · 4.625%
HK$33,218
+HK$1,905/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,626/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,779
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,658
−HK$892/mo
Today · 4.125%
HK$34,550
baseline
▲ 0.50% · 4.625%
HK$36,372
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,100/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,376
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,445
−HK$1,086/mo
Today · 4.125%
HK$36,531
baseline
▲ 0.50% · 4.625%
HK$38,754
+HK$2,223/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,062/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,243
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,268
−HK$1,041/mo
Today · 4.125%
HK$40,309
baseline
▲ 0.50% · 4.625%
HK$42,433
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,618/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,197
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,572
−HK$1,397/mo
Today · 4.125%
HK$46,969
baseline
▲ 0.50% · 4.625%
HK$49,827
+HK$2,858/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,938/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,169
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,488
−HK$1,337/mo
Today · 4.125%
HK$51,825
baseline
▲ 0.50% · 4.625%
HK$54,557
+HK$2,732/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,650/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,804 · Scale 2, in force from 26 Feb 2026)