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$24,514
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,277
−HK$775/mo
Today · 4.125%
HK$26,052
baseline
▲ 0.50% · 4.625%
HK$27,637
+HK$1,585/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,104/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,272
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,003
−HK$742/mo
Today · 4.125%
HK$28,745
baseline
▲ 0.50% · 4.625%
HK$30,261
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,490/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,417
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,332
−HK$930/mo
Today · 4.125%
HK$31,262
baseline
▲ 0.50% · 4.625%
HK$33,164
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,524/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,726
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,604
−HK$890/mo
Today · 4.125%
HK$34,494
baseline
▲ 0.50% · 4.625%
HK$36,313
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,988/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,320
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,388
−HK$1,084/mo
Today · 4.125%
HK$36,472
baseline
▲ 0.50% · 4.625%
HK$38,691
+HK$2,219/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,944/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,181
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,205
−HK$1,038/mo
Today · 4.125%
HK$40,243
baseline
▲ 0.50% · 4.625%
HK$42,365
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,486/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,126
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,498
−HK$1,395/mo
Today · 4.125%
HK$46,893
baseline
▲ 0.50% · 4.625%
HK$49,746
+HK$2,853/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,786/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,089
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,406
−HK$1,336/mo
Today · 4.125%
HK$51,742
baseline
▲ 0.50% · 4.625%
HK$54,469
+HK$2,727/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,484/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,151 · Scale 2, in force from 26 Feb 2026)