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$24,546
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,309
−HK$776/mo
Today · 4.125%
HK$26,085
baseline
▲ 0.50% · 4.625%
HK$27,672
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,170/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,307
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,039
−HK$743/mo
Today · 4.125%
HK$28,782
baseline
▲ 0.50% · 4.625%
HK$30,299
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,564/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,455
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,371
−HK$931/mo
Today · 4.125%
HK$31,302
baseline
▲ 0.50% · 4.625%
HK$33,207
+HK$1,905/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,604/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,768
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,647
−HK$892/mo
Today · 4.125%
HK$34,539
baseline
▲ 0.50% · 4.625%
HK$36,359
+HK$1,820/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,078/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,364
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,433
−HK$1,086/mo
Today · 4.125%
HK$36,519
baseline
▲ 0.50% · 4.625%
HK$38,741
+HK$2,222/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,038/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,230
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,255
−HK$1,040/mo
Today · 4.125%
HK$40,295
baseline
▲ 0.50% · 4.625%
HK$42,419
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,590/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,182
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,557
−HK$1,396/mo
Today · 4.125%
HK$46,953
baseline
▲ 0.50% · 4.625%
HK$49,810
+HK$2,857/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,906/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,152
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,471
−HK$1,337/mo
Today · 4.125%
HK$51,808
baseline
▲ 0.50% · 4.625%
HK$54,539
+HK$2,731/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,616/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,668 · Scale 2, in force from 26 Feb 2026)