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$24,603
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,369
−HK$777/mo
Today · 4.125%
HK$26,146
baseline
▲ 0.50% · 4.625%
HK$27,737
+HK$1,591/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,292/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,371
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,105
−HK$745/mo
Today · 4.125%
HK$28,850
baseline
▲ 0.50% · 4.625%
HK$30,370
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,700/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,524
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,442
−HK$933/mo
Today · 4.125%
HK$31,375
baseline
▲ 0.50% · 4.625%
HK$33,285
+HK$1,910/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$62,750/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,845
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,726
−HK$894/mo
Today · 4.125%
HK$34,620
baseline
▲ 0.50% · 4.625%
HK$36,445
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$69,240/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,445
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,516
−HK$1,089/mo
Today · 4.125%
HK$36,605
baseline
▲ 0.50% · 4.625%
HK$38,832
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,210/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,319
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,347
−HK$1,043/mo
Today · 4.125%
HK$40,390
baseline
▲ 0.50% · 4.625%
HK$42,519
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,780/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,286
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,664
−HK$1,399/mo
Today · 4.125%
HK$47,063
baseline
▲ 0.50% · 4.625%
HK$49,927
+HK$2,864/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,126/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,268
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,589
−HK$1,341/mo
Today · 4.125%
HK$51,930
baseline
▲ 0.50% · 4.625%
HK$54,667
+HK$2,737/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,860/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,615 · Scale 2, in force from 26 Feb 2026)