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$24,508
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,271
−HK$774/mo
Today · 4.125%
HK$26,045
baseline
▲ 0.50% · 4.625%
HK$27,630
+HK$1,585/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,090/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,265
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,996
−HK$742/mo
Today · 4.125%
HK$28,738
baseline
▲ 0.50% · 4.625%
HK$30,253
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,476/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,410
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,325
−HK$929/mo
Today · 4.125%
HK$31,254
baseline
▲ 0.50% · 4.625%
HK$33,156
+HK$1,902/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,508/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,718
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,596
−HK$890/mo
Today · 4.125%
HK$34,486
baseline
▲ 0.50% · 4.625%
HK$36,304
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,972/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,312
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,379
−HK$1,084/mo
Today · 4.125%
HK$36,463
baseline
▲ 0.50% · 4.625%
HK$38,682
+HK$2,219/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,926/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,171
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,195
−HK$1,038/mo
Today · 4.125%
HK$40,233
baseline
▲ 0.50% · 4.625%
HK$42,354
+HK$2,121/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,466/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,115
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,487
−HK$1,394/mo
Today · 4.125%
HK$46,881
baseline
▲ 0.50% · 4.625%
HK$49,734
+HK$2,853/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,762/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,077
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,393
−HK$1,336/mo
Today · 4.125%
HK$51,729
baseline
▲ 0.50% · 4.625%
HK$54,455
+HK$2,726/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,458/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,051 · Scale 2, in force from 26 Feb 2026)