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$24,558
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,322
−HK$776/mo
Today · 4.125%
HK$26,098
baseline
▲ 0.50% · 4.625%
HK$27,686
+HK$1,588/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,196/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,321
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,054
−HK$743/mo
Today · 4.125%
HK$28,797
baseline
▲ 0.50% · 4.625%
HK$30,315
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,594/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,470
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,387
−HK$931/mo
Today · 4.125%
HK$31,318
baseline
▲ 0.50% · 4.625%
HK$33,224
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,636/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,785
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,664
−HK$892/mo
Today · 4.125%
HK$34,556
baseline
▲ 0.50% · 4.625%
HK$36,378
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,112/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,382
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,451
−HK$1,087/mo
Today · 4.125%
HK$36,538
baseline
▲ 0.50% · 4.625%
HK$38,761
+HK$2,223/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,076/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,249
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,275
−HK$1,041/mo
Today · 4.125%
HK$40,316
baseline
▲ 0.50% · 4.625%
HK$42,441
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,632/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,205
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,580
−HK$1,397/mo
Today · 4.125%
HK$46,977
baseline
▲ 0.50% · 4.625%
HK$49,836
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,954/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,178
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,497
−HK$1,338/mo
Today · 4.125%
HK$51,835
baseline
▲ 0.50% · 4.625%
HK$54,567
+HK$2,732/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,670/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,876 · Scale 2, in force from 26 Feb 2026)