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$24,575
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,339
−HK$777/mo
Today · 4.125%
HK$26,116
baseline
▲ 0.50% · 4.625%
HK$27,705
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,232/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,339
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,072
−HK$744/mo
Today · 4.125%
HK$28,816
baseline
▲ 0.50% · 4.625%
HK$30,335
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,632/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,490
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,407
−HK$932/mo
Today · 4.125%
HK$31,339
baseline
▲ 0.50% · 4.625%
HK$33,246
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,678/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,807
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,687
−HK$892/mo
Today · 4.125%
HK$34,579
baseline
▲ 0.50% · 4.625%
HK$36,402
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,158/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,404
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,475
−HK$1,087/mo
Today · 4.125%
HK$36,562
baseline
▲ 0.50% · 4.625%
HK$38,787
+HK$2,225/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,124/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,275
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,301
−HK$1,041/mo
Today · 4.125%
HK$40,342
baseline
▲ 0.50% · 4.625%
HK$42,469
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,684/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,234
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,610
−HK$1,398/mo
Today · 4.125%
HK$47,008
baseline
▲ 0.50% · 4.625%
HK$49,869
+HK$2,861/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,016/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,210
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,530
−HK$1,339/mo
Today · 4.125%
HK$51,869
baseline
▲ 0.50% · 4.625%
HK$54,603
+HK$2,734/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,738/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,143 · Scale 2, in force from 26 Feb 2026)