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$1,542/mo
▼ 0.25% · 3.875%
HK$25,367
−HK$777/mo
Today · 4.125%
HK$26,144
baseline
▲ 0.50% · 4.625%
HK$27,735
+HK$1,591/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,288/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,587 · 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$30,368
+HK$1,520/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$404,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,522
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,440
−HK$933/mo
Today · 4.125%
HK$31,373
baseline
▲ 0.50% · 4.625%
HK$33,282
+HK$1,909/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$62,746/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,843
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,724
−HK$893/mo
Today · 4.125%
HK$34,617
baseline
▲ 0.50% · 4.625%
HK$36,442
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$69,234/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,442
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,514
−HK$1,088/mo
Today · 4.125%
HK$36,602
baseline
▲ 0.50% · 4.625%
HK$38,829
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,204/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,317
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,344
−HK$1,043/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$404,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,283
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,660
−HK$1,400/mo
Today · 4.125%
HK$47,060
baseline
▲ 0.50% · 4.625%
HK$49,923
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,120/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,264
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,586
−HK$1,340/mo
Today · 4.125%
HK$51,926
baseline
▲ 0.50% · 4.625%
HK$54,663
+HK$2,737/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,852/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,587 · Scale 2, in force from 26 Feb 2026)