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$24,559
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,323
−HK$776/mo
Today · 4.125%
HK$26,099
baseline
▲ 0.50% · 4.625%
HK$27,687
+HK$1,588/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,198/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,322
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,055
−HK$743/mo
Today · 4.125%
HK$28,798
baseline
▲ 0.50% · 4.625%
HK$30,316
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,596/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,471
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,388
−HK$931/mo
Today · 4.125%
HK$31,319
baseline
▲ 0.50% · 4.625%
HK$33,225
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,638/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,786
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,666
−HK$892/mo
Today · 4.125%
HK$34,558
baseline
▲ 0.50% · 4.625%
HK$36,379
+HK$1,821/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$403,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,383
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,452
−HK$1,087/mo
Today · 4.125%
HK$36,539
baseline
▲ 0.50% · 4.625%
HK$38,762
+HK$2,223/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,078/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,251
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,277
−HK$1,040/mo
Today · 4.125%
HK$40,317
baseline
▲ 0.50% · 4.625%
HK$42,442
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,634/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,207
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,582
−HK$1,397/mo
Today · 4.125%
HK$46,979
baseline
▲ 0.50% · 4.625%
HK$49,837
+HK$2,858/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,958/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,179
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,498
−HK$1,338/mo
Today · 4.125%
HK$51,836
baseline
▲ 0.50% · 4.625%
HK$54,569
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,672/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,890 · Scale 2, in force from 26 Feb 2026)