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$24,592
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,357
−HK$777/mo
Today · 4.125%
HK$26,134
baseline
▲ 0.50% · 4.625%
HK$27,725
+HK$1,591/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,268/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,359
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,092
−HK$745/mo
Today · 4.125%
HK$28,837
baseline
▲ 0.50% · 4.625%
HK$30,357
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,674/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,511
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,429
−HK$932/mo
Today · 4.125%
HK$31,361
baseline
▲ 0.50% · 4.625%
HK$33,270
+HK$1,909/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,722/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,830
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,711
−HK$893/mo
Today · 4.125%
HK$34,604
baseline
▲ 0.50% · 4.625%
HK$36,428
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,208/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,429
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,500
−HK$1,088/mo
Today · 4.125%
HK$36,588
baseline
▲ 0.50% · 4.625%
HK$38,815
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,176/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,302
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,329
−HK$1,042/mo
Today · 4.125%
HK$40,371
baseline
▲ 0.50% · 4.625%
HK$42,500
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,742/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,266
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,643
−HK$1,399/mo
Today · 4.125%
HK$47,042
baseline
▲ 0.50% · 4.625%
HK$49,904
+HK$2,862/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,084/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,246
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,566
−HK$1,340/mo
Today · 4.125%
HK$51,906
baseline
▲ 0.50% · 4.625%
HK$54,642
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,812/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,433 · Scale 2, in force from 26 Feb 2026)