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$24,560
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,324
−HK$776/mo
Today · 4.125%
HK$26,100
baseline
▲ 0.50% · 4.625%
HK$27,688
+HK$1,588/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,200/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,323
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,055
−HK$744/mo
Today · 4.125%
HK$28,799
baseline
▲ 0.50% · 4.625%
HK$30,317
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,598/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,472
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,389
−HK$931/mo
Today · 4.125%
HK$31,320
baseline
▲ 0.50% · 4.625%
HK$33,226
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,640/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,787
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,666
−HK$892/mo
Today · 4.125%
HK$34,558
baseline
▲ 0.50% · 4.625%
HK$36,380
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,116/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,384
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,453
−HK$1,087/mo
Today · 4.125%
HK$36,540
baseline
▲ 0.50% · 4.625%
HK$38,763
+HK$2,223/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,080/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,252
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,277
−HK$1,041/mo
Today · 4.125%
HK$40,318
baseline
▲ 0.50% · 4.625%
HK$42,443
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,636/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,208
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,583
−HK$1,397/mo
Today · 4.125%
HK$46,980
baseline
▲ 0.50% · 4.625%
HK$49,839
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,960/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,181
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,500
−HK$1,338/mo
Today · 4.125%
HK$51,838
baseline
▲ 0.50% · 4.625%
HK$54,570
+HK$2,732/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,676/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,900 · Scale 2, in force from 26 Feb 2026)