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$24,587
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,351
−HK$777/mo
Today · 4.125%
HK$26,128
baseline
▲ 0.50% · 4.625%
HK$27,718
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,256/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,352
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,086
−HK$744/mo
Today · 4.125%
HK$28,830
baseline
▲ 0.50% · 4.625%
HK$30,350
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,660/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,504
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,422
−HK$932/mo
Today · 4.125%
HK$31,354
baseline
▲ 0.50% · 4.625%
HK$33,262
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,708/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,823
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,703
−HK$893/mo
Today · 4.125%
HK$34,596
baseline
▲ 0.50% · 4.625%
HK$36,420
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,192/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,421
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,492
−HK$1,088/mo
Today · 4.125%
HK$36,580
baseline
▲ 0.50% · 4.625%
HK$38,806
+HK$2,226/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,160/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,293
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,320
−HK$1,042/mo
Today · 4.125%
HK$40,362
baseline
▲ 0.50% · 4.625%
HK$42,490
+HK$2,128/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,724/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,256
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,633
−HK$1,398/mo
Today · 4.125%
HK$47,031
baseline
▲ 0.50% · 4.625%
HK$49,893
+HK$2,862/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,062/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,234
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,555
−HK$1,339/mo
Today · 4.125%
HK$51,894
baseline
▲ 0.50% · 4.625%
HK$54,630
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,788/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,340 · Scale 2, in force from 26 Feb 2026)