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$24,484
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,245
−HK$774/mo
Today · 4.125%
HK$26,019
baseline
▲ 0.50% · 4.625%
HK$27,602
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,038/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,238
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,968
−HK$741/mo
Today · 4.125%
HK$28,709
baseline
▲ 0.50% · 4.625%
HK$30,223
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,418/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,380
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,294
−HK$929/mo
Today · 4.125%
HK$31,223
baseline
▲ 0.50% · 4.625%
HK$33,123
+HK$1,900/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,446/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,685
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,562
−HK$889/mo
Today · 4.125%
HK$34,451
baseline
▲ 0.50% · 4.625%
HK$36,267
+HK$1,816/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,902/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,277
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,343
−HK$1,084/mo
Today · 4.125%
HK$36,427
baseline
▲ 0.50% · 4.625%
HK$38,643
+HK$2,216/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,854/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,133
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,156
−HK$1,037/mo
Today · 4.125%
HK$40,193
baseline
▲ 0.50% · 4.625%
HK$42,312
+HK$2,119/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,386/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,071
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,441
−HK$1,393/mo
Today · 4.125%
HK$46,834
baseline
▲ 0.50% · 4.625%
HK$49,684
+HK$2,850/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,668/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,028
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,343
−HK$1,334/mo
Today · 4.125%
HK$51,677
baseline
▲ 0.50% · 4.625%
HK$54,401
+HK$2,724/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,354/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,647 · Scale 2, in force from 26 Feb 2026)