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$24,571
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,335
−HK$776/mo
Today · 4.125%
HK$26,111
baseline
▲ 0.50% · 4.625%
HK$27,700
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,222/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,335
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,068
−HK$743/mo
Today · 4.125%
HK$28,811
baseline
▲ 0.50% · 4.625%
HK$30,330
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,622/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,485
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,402
−HK$932/mo
Today · 4.125%
HK$31,334
baseline
▲ 0.50% · 4.625%
HK$33,240
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,668/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,802
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,681
−HK$893/mo
Today · 4.125%
HK$34,574
baseline
▲ 0.50% · 4.625%
HK$36,396
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,148/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,399
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,469
−HK$1,087/mo
Today · 4.125%
HK$36,556
baseline
▲ 0.50% · 4.625%
HK$38,780
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,112/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,268
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,295
−HK$1,041/mo
Today · 4.125%
HK$40,336
baseline
▲ 0.50% · 4.625%
HK$42,462
+HK$2,126/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,672/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,227
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,603
−HK$1,398/mo
Today · 4.125%
HK$47,001
baseline
▲ 0.50% · 4.625%
HK$49,861
+HK$2,860/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,002/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,202
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,522
−HK$1,339/mo
Today · 4.125%
HK$51,861
baseline
▲ 0.50% · 4.625%
HK$54,594
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,722/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,078 · Scale 2, in force from 26 Feb 2026)