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$24,504
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,266
−HK$774/mo
Today · 4.125%
HK$26,040
baseline
▲ 0.50% · 4.625%
HK$27,625
+HK$1,585/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,080/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,260
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,991
−HK$742/mo
Today · 4.125%
HK$28,733
baseline
▲ 0.50% · 4.625%
HK$30,247
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,466/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,404
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,319
−HK$929/mo
Today · 4.125%
HK$31,248
baseline
▲ 0.50% · 4.625%
HK$33,150
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,496/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,712
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,589
−HK$890/mo
Today · 4.125%
HK$34,479
baseline
▲ 0.50% · 4.625%
HK$36,297
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,958/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,305
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,372
−HK$1,084/mo
Today · 4.125%
HK$36,456
baseline
▲ 0.50% · 4.625%
HK$38,675
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,912/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,164
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,188
−HK$1,038/mo
Today · 4.125%
HK$40,226
baseline
▲ 0.50% · 4.625%
HK$42,346
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,452/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,107
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,479
−HK$1,393/mo
Today · 4.125%
HK$46,872
baseline
▲ 0.50% · 4.625%
HK$49,725
+HK$2,853/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,744/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,068
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,384
−HK$1,335/mo
Today · 4.125%
HK$51,719
baseline
▲ 0.50% · 4.625%
HK$54,445
+HK$2,726/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,438/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,976 · Scale 2, in force from 26 Feb 2026)