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$24,577
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,341
−HK$777/mo
Today · 4.125%
HK$26,118
baseline
▲ 0.50% · 4.625%
HK$27,707
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,236/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,341
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,075
−HK$743/mo
Today · 4.125%
HK$28,818
baseline
▲ 0.50% · 4.625%
HK$30,337
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,636/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,492
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,409
−HK$932/mo
Today · 4.125%
HK$31,341
baseline
▲ 0.50% · 4.625%
HK$33,248
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,682/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,809
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,689
−HK$893/mo
Today · 4.125%
HK$34,582
baseline
▲ 0.50% · 4.625%
HK$36,405
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,164/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,407
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,478
−HK$1,087/mo
Today · 4.125%
HK$36,565
baseline
▲ 0.50% · 4.625%
HK$38,790
+HK$2,225/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,130/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,278
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,304
−HK$1,042/mo
Today · 4.125%
HK$40,346
baseline
▲ 0.50% · 4.625%
HK$42,472
+HK$2,126/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,692/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,238
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,614
−HK$1,398/mo
Today · 4.125%
HK$47,012
baseline
▲ 0.50% · 4.625%
HK$49,873
+HK$2,861/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,024/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,214
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,534
−HK$1,339/mo
Today · 4.125%
HK$51,873
baseline
▲ 0.50% · 4.625%
HK$54,607
+HK$2,734/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,746/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,175 · Scale 2, in force from 26 Feb 2026)