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$24,561
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,325
−HK$777/mo
Today · 4.125%
HK$26,102
baseline
▲ 0.50% · 4.625%
HK$27,690
+HK$1,588/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,204/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,324
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,057
−HK$744/mo
Today · 4.125%
HK$28,801
baseline
▲ 0.50% · 4.625%
HK$30,319
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,602/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,474
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,391
−HK$931/mo
Today · 4.125%
HK$31,322
baseline
▲ 0.50% · 4.625%
HK$33,228
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,644/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,789
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,669
−HK$892/mo
Today · 4.125%
HK$34,561
baseline
▲ 0.50% · 4.625%
HK$36,383
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,122/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,386
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,456
−HK$1,086/mo
Today · 4.125%
HK$36,542
baseline
▲ 0.50% · 4.625%
HK$38,766
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,084/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,254
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,280
−HK$1,041/mo
Today · 4.125%
HK$40,321
baseline
▲ 0.50% · 4.625%
HK$42,446
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,642/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,211
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,586
−HK$1,397/mo
Today · 4.125%
HK$46,983
baseline
▲ 0.50% · 4.625%
HK$49,842
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,966/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,184
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,503
−HK$1,338/mo
Today · 4.125%
HK$51,841
baseline
▲ 0.50% · 4.625%
HK$54,574
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,682/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,927 · Scale 2, in force from 26 Feb 2026)