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$24,541
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,304
−HK$776/mo
Today · 4.125%
HK$26,080
baseline
▲ 0.50% · 4.625%
HK$27,666
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,160/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,301
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,033
−HK$743/mo
Today · 4.125%
HK$28,776
baseline
▲ 0.50% · 4.625%
HK$30,293
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,552/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,449
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,365
−HK$930/mo
Today · 4.125%
HK$31,295
baseline
▲ 0.50% · 4.625%
HK$33,200
+HK$1,905/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$62,590/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,761
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,640
−HK$891/mo
Today · 4.125%
HK$34,531
baseline
▲ 0.50% · 4.625%
HK$36,352
+HK$1,821/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$69,062/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,357
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,426
−HK$1,085/mo
Today · 4.125%
HK$36,511
baseline
▲ 0.50% · 4.625%
HK$38,733
+HK$2,222/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$73,022/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,222
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,247
−HK$1,040/mo
Today · 4.125%
HK$40,287
baseline
▲ 0.50% · 4.625%
HK$42,410
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,574/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,173
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,547
−HK$1,396/mo
Today · 4.125%
HK$46,943
baseline
▲ 0.50% · 4.625%
HK$49,800
+HK$2,857/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,886/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,142
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,460
−HK$1,337/mo
Today · 4.125%
HK$51,797
baseline
▲ 0.50% · 4.625%
HK$54,527
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,594/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,584 · Scale 2, in force from 26 Feb 2026)