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$24,572
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,336
−HK$777/mo
Today · 4.125%
HK$26,113
baseline
▲ 0.50% · 4.625%
HK$27,702
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,226/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,336
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,069
−HK$744/mo
Today · 4.125%
HK$28,813
baseline
▲ 0.50% · 4.625%
HK$30,332
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,626/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,486
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,404
−HK$931/mo
Today · 4.125%
HK$31,335
baseline
▲ 0.50% · 4.625%
HK$33,242
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,670/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,803
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,683
−HK$893/mo
Today · 4.125%
HK$34,576
baseline
▲ 0.50% · 4.625%
HK$36,398
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,152/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,401
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,471
−HK$1,087/mo
Today · 4.125%
HK$36,558
baseline
▲ 0.50% · 4.625%
HK$38,782
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,116/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,270
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,297
−HK$1,041/mo
Today · 4.125%
HK$40,338
baseline
▲ 0.50% · 4.625%
HK$42,464
+HK$2,126/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,676/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,230
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,605
−HK$1,398/mo
Today · 4.125%
HK$47,003
baseline
▲ 0.50% · 4.625%
HK$49,863
+HK$2,860/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,006/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,205
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,525
−HK$1,338/mo
Today · 4.125%
HK$51,863
baseline
▲ 0.50% · 4.625%
HK$54,597
+HK$2,734/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,726/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,099 · Scale 2, in force from 26 Feb 2026)