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$24,510
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,273
−HK$774/mo
Today · 4.125%
HK$26,047
baseline
▲ 0.50% · 4.625%
HK$27,632
+HK$1,585/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,094/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,267
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$27,999
−HK$742/mo
Today · 4.125%
HK$28,741
baseline
▲ 0.50% · 4.625%
HK$30,256
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,482/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,412
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,327
−HK$930/mo
Today · 4.125%
HK$31,257
baseline
▲ 0.50% · 4.625%
HK$33,159
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,514/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,721
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,599
−HK$890/mo
Today · 4.125%
HK$34,489
baseline
▲ 0.50% · 4.625%
HK$36,307
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,978/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,314
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,382
−HK$1,084/mo
Today · 4.125%
HK$36,466
baseline
▲ 0.50% · 4.625%
HK$38,685
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,932/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,174
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,198
−HK$1,039/mo
Today · 4.125%
HK$40,237
baseline
▲ 0.50% · 4.625%
HK$42,358
+HK$2,121/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,474/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,119
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,491
−HK$1,394/mo
Today · 4.125%
HK$46,885
baseline
▲ 0.50% · 4.625%
HK$49,738
+HK$2,853/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,770/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,081
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,398
−HK$1,335/mo
Today · 4.125%
HK$51,733
baseline
▲ 0.50% · 4.625%
HK$54,460
+HK$2,727/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,466/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,085 · Scale 2, in force from 26 Feb 2026)