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$24,573
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,338
−HK$776/mo
Today · 4.125%
HK$26,114
baseline
▲ 0.50% · 4.625%
HK$27,703
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,228/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,338
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,071
−HK$744/mo
Today · 4.125%
HK$28,815
baseline
▲ 0.50% · 4.625%
HK$30,333
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,630/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,488
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,405
−HK$932/mo
Today · 4.125%
HK$31,337
baseline
▲ 0.50% · 4.625%
HK$33,244
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,674/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,805
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,685
−HK$893/mo
Today · 4.125%
HK$34,578
baseline
▲ 0.50% · 4.625%
HK$36,400
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,156/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,403
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,473
−HK$1,087/mo
Today · 4.125%
HK$36,560
baseline
▲ 0.50% · 4.625%
HK$38,785
+HK$2,225/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,120/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,273
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,299
−HK$1,041/mo
Today · 4.125%
HK$40,340
baseline
▲ 0.50% · 4.625%
HK$42,467
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,680/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,232
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,608
−HK$1,398/mo
Today · 4.125%
HK$47,006
baseline
▲ 0.50% · 4.625%
HK$49,866
+HK$2,860/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,012/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,208
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,528
−HK$1,338/mo
Today · 4.125%
HK$51,866
baseline
▲ 0.50% · 4.625%
HK$54,600
+HK$2,734/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,732/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,123 · Scale 2, in force from 26 Feb 2026)