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$24,530
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,293
−HK$775/mo
Today · 4.125%
HK$26,068
baseline
▲ 0.50% · 4.625%
HK$27,654
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,136/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,289
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,021
−HK$742/mo
Today · 4.125%
HK$28,763
baseline
▲ 0.50% · 4.625%
HK$30,280
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,526/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,436
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,351
−HK$931/mo
Today · 4.125%
HK$31,282
baseline
▲ 0.50% · 4.625%
HK$33,185
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,564/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,747
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,625
−HK$891/mo
Today · 4.125%
HK$34,516
baseline
▲ 0.50% · 4.625%
HK$36,335
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,032/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,342
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,410
−HK$1,085/mo
Today · 4.125%
HK$36,495
baseline
▲ 0.50% · 4.625%
HK$38,716
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,990/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,205
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,229
−HK$1,040/mo
Today · 4.125%
HK$40,269
baseline
▲ 0.50% · 4.625%
HK$42,391
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,538/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,153
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,527
−HK$1,395/mo
Today · 4.125%
HK$46,922
baseline
▲ 0.50% · 4.625%
HK$49,777
+HK$2,855/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,844/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,120
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,438
−HK$1,336/mo
Today · 4.125%
HK$51,774
baseline
▲ 0.50% · 4.625%
HK$54,503
+HK$2,729/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,548/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,404 · Scale 2, in force from 26 Feb 2026)