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$24,509
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,272
−HK$774/mo
Today · 4.125%
HK$26,046
baseline
▲ 0.50% · 4.625%
HK$27,631
+HK$1,585/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,092/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,267
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,998
−HK$742/mo
Today · 4.125%
HK$28,740
baseline
▲ 0.50% · 4.625%
HK$30,255
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,480/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,411
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,326
−HK$930/mo
Today · 4.125%
HK$31,256
baseline
▲ 0.50% · 4.625%
HK$33,158
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,512/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,720
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,597
−HK$891/mo
Today · 4.125%
HK$34,488
baseline
▲ 0.50% · 4.625%
HK$36,306
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,976/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,313
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,381
−HK$1,084/mo
Today · 4.125%
HK$36,465
baseline
▲ 0.50% · 4.625%
HK$38,684
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,930/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,173
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,197
−HK$1,039/mo
Today · 4.125%
HK$40,236
baseline
▲ 0.50% · 4.625%
HK$42,356
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,472/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,117
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,489
−HK$1,395/mo
Today · 4.125%
HK$46,884
baseline
▲ 0.50% · 4.625%
HK$49,736
+HK$2,852/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,768/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,080
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,396
−HK$1,335/mo
Today · 4.125%
HK$51,731
baseline
▲ 0.50% · 4.625%
HK$54,458
+HK$2,727/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,462/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,072 · Scale 2, in force from 26 Feb 2026)