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$24,602
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,367
−HK$778/mo
Today · 4.125%
HK$26,145
baseline
▲ 0.50% · 4.625%
HK$27,736
+HK$1,591/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,290/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,369
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,103
−HK$745/mo
Today · 4.125%
HK$28,848
baseline
▲ 0.50% · 4.625%
HK$30,369
+HK$1,521/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,696/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,522
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,441
−HK$933/mo
Today · 4.125%
HK$31,374
baseline
▲ 0.50% · 4.625%
HK$33,283
+HK$1,909/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$62,748/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,843
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,724
−HK$894/mo
Today · 4.125%
HK$34,618
baseline
▲ 0.50% · 4.625%
HK$36,443
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$69,236/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,443
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,514
−HK$1,089/mo
Today · 4.125%
HK$36,603
baseline
▲ 0.50% · 4.625%
HK$38,830
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,206/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,317
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,345
−HK$1,042/mo
Today · 4.125%
HK$40,387
baseline
▲ 0.50% · 4.625%
HK$42,516
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,774/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,284
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,661
−HK$1,400/mo
Today · 4.125%
HK$47,061
baseline
▲ 0.50% · 4.625%
HK$49,924
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,122/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,265
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,586
−HK$1,341/mo
Today · 4.125%
HK$51,927
baseline
▲ 0.50% · 4.625%
HK$54,664
+HK$2,737/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,854/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,593 · Scale 2, in force from 26 Feb 2026)