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$24,576
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,340
−HK$777/mo
Today · 4.125%
HK$26,117
baseline
▲ 0.50% · 4.625%
HK$27,706
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,234/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,340
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,073
−HK$744/mo
Today · 4.125%
HK$28,817
baseline
▲ 0.50% · 4.625%
HK$30,336
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,634/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,491
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,408
−HK$932/mo
Today · 4.125%
HK$31,340
baseline
▲ 0.50% · 4.625%
HK$33,247
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,680/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,808
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,688
−HK$893/mo
Today · 4.125%
HK$34,581
baseline
▲ 0.50% · 4.625%
HK$36,404
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,162/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,406
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,476
−HK$1,088/mo
Today · 4.125%
HK$36,564
baseline
▲ 0.50% · 4.625%
HK$38,788
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,128/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,276
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,303
−HK$1,041/mo
Today · 4.125%
HK$40,344
baseline
▲ 0.50% · 4.625%
HK$42,471
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,688/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,236
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,612
−HK$1,398/mo
Today · 4.125%
HK$47,010
baseline
▲ 0.50% · 4.625%
HK$49,871
+HK$2,861/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,020/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,212
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,532
−HK$1,339/mo
Today · 4.125%
HK$51,871
baseline
▲ 0.50% · 4.625%
HK$54,605
+HK$2,734/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,742/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,160 · Scale 2, in force from 26 Feb 2026)