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$24,567
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,331
−HK$777/mo
Today · 4.125%
HK$26,108
baseline
▲ 0.50% · 4.625%
HK$27,696
+HK$1,588/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,216/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,331
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,064
−HK$743/mo
Today · 4.125%
HK$28,807
baseline
▲ 0.50% · 4.625%
HK$30,326
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,614/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,481
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,398
−HK$931/mo
Today · 4.125%
HK$31,329
baseline
▲ 0.50% · 4.625%
HK$33,236
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,658/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,797
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,676
−HK$893/mo
Today · 4.125%
HK$34,569
baseline
▲ 0.50% · 4.625%
HK$36,391
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,138/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,394
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,464
−HK$1,087/mo
Today · 4.125%
HK$36,551
baseline
▲ 0.50% · 4.625%
HK$38,775
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,102/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,263
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,289
−HK$1,041/mo
Today · 4.125%
HK$40,330
baseline
▲ 0.50% · 4.625%
HK$42,456
+HK$2,126/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,660/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,221
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,596
−HK$1,398/mo
Today · 4.125%
HK$46,994
baseline
▲ 0.50% · 4.625%
HK$49,853
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$93,988/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,195
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,515
−HK$1,338/mo
Today · 4.125%
HK$51,853
baseline
▲ 0.50% · 4.625%
HK$54,586
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,706/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,019 · Scale 2, in force from 26 Feb 2026)