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$24,596
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,361
−HK$778/mo
Today · 4.125%
HK$26,139
baseline
▲ 0.50% · 4.625%
HK$27,729
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,278/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,363
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,097
−HK$745/mo
Today · 4.125%
HK$28,842
baseline
▲ 0.50% · 4.625%
HK$30,362
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,684/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,516
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,434
−HK$933/mo
Today · 4.125%
HK$31,367
baseline
▲ 0.50% · 4.625%
HK$33,275
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,734/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,836
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,717
−HK$893/mo
Today · 4.125%
HK$34,610
baseline
▲ 0.50% · 4.625%
HK$36,434
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,220/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,435
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,506
−HK$1,088/mo
Today · 4.125%
HK$36,594
baseline
▲ 0.50% · 4.625%
HK$38,821
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,188/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,309
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,336
−HK$1,042/mo
Today · 4.125%
HK$40,378
baseline
▲ 0.50% · 4.625%
HK$42,507
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,756/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,274
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,651
−HK$1,399/mo
Today · 4.125%
HK$47,050
baseline
▲ 0.50% · 4.625%
HK$49,913
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,100/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,254
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,575
−HK$1,340/mo
Today · 4.125%
HK$51,915
baseline
▲ 0.50% · 4.625%
HK$54,651
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,830/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,501 · Scale 2, in force from 26 Feb 2026)