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$24,472
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,233
−HK$773/mo
Today · 4.125%
HK$26,006
baseline
▲ 0.50% · 4.625%
HK$27,589
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,012/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,225
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,955
−HK$740/mo
Today · 4.125%
HK$28,695
baseline
▲ 0.50% · 4.625%
HK$30,208
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,390/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,366
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,280
−HK$928/mo
Today · 4.125%
HK$31,208
baseline
▲ 0.50% · 4.625%
HK$33,106
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,416/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,669
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,546
−HK$888/mo
Today · 4.125%
HK$34,434
baseline
▲ 0.50% · 4.625%
HK$36,250
+HK$1,816/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,868/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,260
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,326
−HK$1,083/mo
Today · 4.125%
HK$36,409
baseline
▲ 0.50% · 4.625%
HK$38,624
+HK$2,215/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,818/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,114
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,137
−HK$1,037/mo
Today · 4.125%
HK$40,174
baseline
▲ 0.50% · 4.625%
HK$42,291
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,348/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,049
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,419
−HK$1,392/mo
Today · 4.125%
HK$46,811
baseline
▲ 0.50% · 4.625%
HK$49,660
+HK$2,849/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,622/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,004
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,318
−HK$1,334/mo
Today · 4.125%
HK$51,652
baseline
▲ 0.50% · 4.625%
HK$54,374
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,304/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,451 · Scale 2, in force from 26 Feb 2026)