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$24,568
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,332
−HK$777/mo
Today · 4.125%
HK$26,109
baseline
▲ 0.50% · 4.625%
HK$27,697
+HK$1,588/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,218/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,332
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,065
−HK$743/mo
Today · 4.125%
HK$28,808
baseline
▲ 0.50% · 4.625%
HK$30,327
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,616/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,482
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,399
−HK$931/mo
Today · 4.125%
HK$31,330
baseline
▲ 0.50% · 4.625%
HK$33,237
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,660/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,798
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,678
−HK$892/mo
Today · 4.125%
HK$34,570
baseline
▲ 0.50% · 4.625%
HK$36,392
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,140/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,395
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,465
−HK$1,087/mo
Today · 4.125%
HK$36,552
baseline
▲ 0.50% · 4.625%
HK$38,776
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,104/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,264
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,291
−HK$1,041/mo
Today · 4.125%
HK$40,332
baseline
▲ 0.50% · 4.625%
HK$42,458
+HK$2,126/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,664/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,222
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,598
−HK$1,398/mo
Today · 4.125%
HK$46,996
baseline
▲ 0.50% · 4.625%
HK$49,855
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$93,992/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,197
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,516
−HK$1,339/mo
Today · 4.125%
HK$51,855
baseline
▲ 0.50% · 4.625%
HK$54,588
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,710/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,034 · Scale 2, in force from 26 Feb 2026)