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$24,531
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,294
−HK$775/mo
Today · 4.125%
HK$26,069
baseline
▲ 0.50% · 4.625%
HK$27,656
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,138/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,291
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,023
−HK$742/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,281
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,437
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,353
−HK$930/mo
Today · 4.125%
HK$31,283
baseline
▲ 0.50% · 4.625%
HK$33,187
+HK$1,904/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,566/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,749
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,627
−HK$891/mo
Today · 4.125%
HK$34,518
baseline
▲ 0.50% · 4.625%
HK$36,338
+HK$1,820/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,036/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,344
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,412
−HK$1,085/mo
Today · 4.125%
HK$36,497
baseline
▲ 0.50% · 4.625%
HK$38,718
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,994/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,207
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,232
−HK$1,039/mo
Today · 4.125%
HK$40,271
baseline
▲ 0.50% · 4.625%
HK$42,394
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,542/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,156
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,530
−HK$1,395/mo
Today · 4.125%
HK$46,925
baseline
▲ 0.50% · 4.625%
HK$49,780
+HK$2,855/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,850/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,123
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,441
−HK$1,336/mo
Today · 4.125%
HK$51,777
baseline
▲ 0.50% · 4.625%
HK$54,506
+HK$2,729/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,554/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,427 · Scale 2, in force from 26 Feb 2026)