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$24,590
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,355
−HK$777/mo
Today · 4.125%
HK$26,132
baseline
▲ 0.50% · 4.625%
HK$27,722
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,264/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,356
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,090
−HK$744/mo
Today · 4.125%
HK$28,834
baseline
▲ 0.50% · 4.625%
HK$30,354
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,668/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,508
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,426
−HK$932/mo
Today · 4.125%
HK$31,358
baseline
▲ 0.50% · 4.625%
HK$33,266
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,716/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,827
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,707
−HK$894/mo
Today · 4.125%
HK$34,601
baseline
▲ 0.50% · 4.625%
HK$36,424
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,202/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,426
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,497
−HK$1,088/mo
Today · 4.125%
HK$36,585
baseline
▲ 0.50% · 4.625%
HK$38,811
+HK$2,226/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,170/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,298
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,325
−HK$1,042/mo
Today · 4.125%
HK$40,367
baseline
▲ 0.50% · 4.625%
HK$42,495
+HK$2,128/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,734/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,262
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,638
−HK$1,399/mo
Today · 4.125%
HK$47,037
baseline
▲ 0.50% · 4.625%
HK$49,899
+HK$2,862/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,074/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,241
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,561
−HK$1,340/mo
Today · 4.125%
HK$51,901
baseline
▲ 0.50% · 4.625%
HK$54,637
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,802/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,393 · Scale 2, in force from 26 Feb 2026)