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$24,501
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,263
−HK$775/mo
Today · 4.125%
HK$26,038
baseline
▲ 0.50% · 4.625%
HK$27,622
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,076/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,257
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,988
−HK$742/mo
Today · 4.125%
HK$28,730
baseline
▲ 0.50% · 4.625%
HK$30,244
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,460/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,401
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,316
−HK$929/mo
Today · 4.125%
HK$31,245
baseline
▲ 0.50% · 4.625%
HK$33,146
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,490/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,709
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,586
−HK$890/mo
Today · 4.125%
HK$34,476
baseline
▲ 0.50% · 4.625%
HK$36,293
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,952/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,302
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,369
−HK$1,084/mo
Today · 4.125%
HK$36,453
baseline
▲ 0.50% · 4.625%
HK$38,671
+HK$2,218/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,906/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,160
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,184
−HK$1,038/mo
Today · 4.125%
HK$40,222
baseline
▲ 0.50% · 4.625%
HK$42,342
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,444/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,102
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,474
−HK$1,394/mo
Today · 4.125%
HK$46,868
baseline
▲ 0.50% · 4.625%
HK$49,720
+HK$2,852/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,736/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,063
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,379
−HK$1,335/mo
Today · 4.125%
HK$51,714
baseline
▲ 0.50% · 4.625%
HK$54,440
+HK$2,726/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,428/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,936 · Scale 2, in force from 26 Feb 2026)