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$24,567
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,331
−HK$776/mo
Today · 4.125%
HK$26,107
baseline
▲ 0.50% · 4.625%
HK$27,696
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,214/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,330
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,063
−HK$744/mo
Today · 4.125%
HK$28,807
baseline
▲ 0.50% · 4.625%
HK$30,325
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,614/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,480
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,397
−HK$932/mo
Today · 4.125%
HK$31,329
baseline
▲ 0.50% · 4.625%
HK$33,235
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,658/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,796
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,676
−HK$892/mo
Today · 4.125%
HK$34,568
baseline
▲ 0.50% · 4.625%
HK$36,390
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,136/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,393
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,463
−HK$1,087/mo
Today · 4.125%
HK$36,550
baseline
▲ 0.50% · 4.625%
HK$38,774
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,100/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,262
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,288
−HK$1,042/mo
Today · 4.125%
HK$40,330
baseline
▲ 0.50% · 4.625%
HK$42,455
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,660/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,220
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,596
−HK$1,397/mo
Today · 4.125%
HK$46,993
baseline
▲ 0.50% · 4.625%
HK$49,852
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$93,986/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,194
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,514
−HK$1,338/mo
Today · 4.125%
HK$51,852
baseline
▲ 0.50% · 4.625%
HK$54,585
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,704/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,013 · Scale 2, in force from 26 Feb 2026)