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$24,489
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,251
−HK$774/mo
Today · 4.125%
HK$26,025
baseline
▲ 0.50% · 4.625%
HK$27,609
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,050/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,244
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,975
−HK$741/mo
Today · 4.125%
HK$28,716
baseline
▲ 0.50% · 4.625%
HK$30,230
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,432/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,387
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,302
−HK$928/mo
Today · 4.125%
HK$31,230
baseline
▲ 0.50% · 4.625%
HK$33,131
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$62,460/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,693
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,570
−HK$889/mo
Today · 4.125%
HK$34,459
baseline
▲ 0.50% · 4.625%
HK$36,276
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$68,918/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,285
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,352
−HK$1,083/mo
Today · 4.125%
HK$36,435
baseline
▲ 0.50% · 4.625%
HK$38,652
+HK$2,217/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,870/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,142
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,165
−HK$1,038/mo
Today · 4.125%
HK$40,203
baseline
▲ 0.50% · 4.625%
HK$42,322
+HK$2,119/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,406/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,081
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,452
−HK$1,393/mo
Today · 4.125%
HK$46,845
baseline
▲ 0.50% · 4.625%
HK$49,696
+HK$2,851/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,690/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,040
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,355
−HK$1,334/mo
Today · 4.125%
HK$51,689
baseline
▲ 0.50% · 4.625%
HK$54,414
+HK$2,725/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,378/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,743 · Scale 2, in force from 26 Feb 2026)