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$24,491
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,253
−HK$774/mo
Today · 4.125%
HK$26,027
baseline
▲ 0.50% · 4.625%
HK$27,611
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,054/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,246
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,977
−HK$741/mo
Today · 4.125%
HK$28,718
baseline
▲ 0.50% · 4.625%
HK$30,232
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,436/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,389
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,304
−HK$928/mo
Today · 4.125%
HK$31,232
baseline
▲ 0.50% · 4.625%
HK$33,133
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$62,464/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,695
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,572
−HK$890/mo
Today · 4.125%
HK$34,462
baseline
▲ 0.50% · 4.625%
HK$36,278
+HK$1,816/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$68,924/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,288
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,354
−HK$1,084/mo
Today · 4.125%
HK$36,438
baseline
▲ 0.50% · 4.625%
HK$38,655
+HK$2,217/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,876/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,145
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,168
−HK$1,037/mo
Today · 4.125%
HK$40,205
baseline
▲ 0.50% · 4.625%
HK$42,325
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,410/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,084
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,455
−HK$1,393/mo
Today · 4.125%
HK$46,848
baseline
▲ 0.50% · 4.625%
HK$49,699
+HK$2,851/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,696/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,043
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,358
−HK$1,335/mo
Today · 4.125%
HK$51,693
baseline
▲ 0.50% · 4.625%
HK$54,417
+HK$2,724/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,386/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,770 · Scale 2, in force from 26 Feb 2026)