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$24,499
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,261
−HK$774/mo
Today · 4.125%
HK$26,035
baseline
▲ 0.50% · 4.625%
HK$27,619
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,070/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,254
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,985
−HK$742/mo
Today · 4.125%
HK$28,727
baseline
▲ 0.50% · 4.625%
HK$30,241
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,454/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,398
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,313
−HK$929/mo
Today · 4.125%
HK$31,242
baseline
▲ 0.50% · 4.625%
HK$33,143
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,484/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,705
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,583
−HK$889/mo
Today · 4.125%
HK$34,472
baseline
▲ 0.50% · 4.625%
HK$36,289
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,944/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,298
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,365
−HK$1,084/mo
Today · 4.125%
HK$36,449
baseline
▲ 0.50% · 4.625%
HK$38,667
+HK$2,218/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,898/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,156
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,180
−HK$1,038/mo
Today · 4.125%
HK$40,218
baseline
▲ 0.50% · 4.625%
HK$42,338
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,436/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,098
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,469
−HK$1,394/mo
Today · 4.125%
HK$46,863
baseline
▲ 0.50% · 4.625%
HK$49,714
+HK$2,851/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,726/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,058
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,374
−HK$1,335/mo
Today · 4.125%
HK$51,709
baseline
▲ 0.50% · 4.625%
HK$54,434
+HK$2,725/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,418/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,893 · Scale 2, in force from 26 Feb 2026)