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$27,724
+HK$1,590/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$404,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,358
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,092
−HK$744/mo
Today · 4.125%
HK$28,836
baseline
▲ 0.50% · 4.625%
HK$30,356
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,672/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,510
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,428
−HK$932/mo
Today · 4.125%
HK$31,360
baseline
▲ 0.50% · 4.625%
HK$33,269
+HK$1,909/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,720/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,829
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,710
−HK$893/mo
Today · 4.125%
HK$34,603
baseline
▲ 0.50% · 4.625%
HK$36,427
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,206/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,428
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,499
−HK$1,088/mo
Today · 4.125%
HK$36,587
baseline
▲ 0.50% · 4.625%
HK$38,813
+HK$2,226/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,174/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,301
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,328
−HK$1,042/mo
Today · 4.125%
HK$40,370
baseline
▲ 0.50% · 4.625%
HK$42,498
+HK$2,128/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,740/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,265
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,642
−HK$1,399/mo
Today · 4.125%
HK$47,041
baseline
▲ 0.50% · 4.625%
HK$49,903
+HK$2,862/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,082/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,244
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,565
−HK$1,340/mo
Today · 4.125%
HK$51,905
baseline
▲ 0.50% · 4.625%
HK$54,641
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,810/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,422 · Scale 2, in force from 26 Feb 2026)