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$24,599
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,364
−HK$777/mo
Today · 4.125%
HK$26,141
baseline
▲ 0.50% · 4.625%
HK$27,732
+HK$1,591/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,282/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,366
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,100
−HK$745/mo
Today · 4.125%
HK$28,845
baseline
▲ 0.50% · 4.625%
HK$30,365
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,690/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,519
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,437
−HK$933/mo
Today · 4.125%
HK$31,370
baseline
▲ 0.50% · 4.625%
HK$33,279
+HK$1,909/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$62,740/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,839
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,720
−HK$893/mo
Today · 4.125%
HK$34,613
baseline
▲ 0.50% · 4.625%
HK$36,438
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$69,226/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,438
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,510
−HK$1,088/mo
Today · 4.125%
HK$36,598
baseline
▲ 0.50% · 4.625%
HK$38,825
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,196/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,312
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,340
−HK$1,042/mo
Today · 4.125%
HK$40,382
baseline
▲ 0.50% · 4.625%
HK$42,511
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,764/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,278
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,655
−HK$1,400/mo
Today · 4.125%
HK$47,055
baseline
▲ 0.50% · 4.625%
HK$49,918
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,110/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,259
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,580
−HK$1,340/mo
Today · 4.125%
HK$51,920
baseline
▲ 0.50% · 4.625%
HK$54,657
+HK$2,737/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,840/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,542 · Scale 2, in force from 26 Feb 2026)