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$24,477
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,238
−HK$774/mo
Today · 4.125%
HK$26,012
baseline
▲ 0.50% · 4.625%
HK$27,594
+HK$1,582/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,024/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,230
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,960
−HK$741/mo
Today · 4.125%
HK$28,701
baseline
▲ 0.50% · 4.625%
HK$30,214
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,402/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,372
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,286
−HK$928/mo
Today · 4.125%
HK$31,214
baseline
▲ 0.50% · 4.625%
HK$33,113
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,428/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,676
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,553
−HK$889/mo
Today · 4.125%
HK$34,442
baseline
▲ 0.50% · 4.625%
HK$36,257
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,884/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,267
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,333
−HK$1,083/mo
Today · 4.125%
HK$36,416
baseline
▲ 0.50% · 4.625%
HK$38,632
+HK$2,216/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,832/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,122
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,145
−HK$1,037/mo
Today · 4.125%
HK$40,182
baseline
▲ 0.50% · 4.625%
HK$42,300
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,364/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,058
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,429
−HK$1,392/mo
Today · 4.125%
HK$46,821
baseline
▲ 0.50% · 4.625%
HK$49,670
+HK$2,849/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,642/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,014
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,329
−HK$1,333/mo
Today · 4.125%
HK$51,662
baseline
▲ 0.50% · 4.625%
HK$54,385
+HK$2,723/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,324/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,533 · Scale 2, in force from 26 Feb 2026)