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$24,594
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,359
−HK$777/mo
Today · 4.125%
HK$26,136
baseline
▲ 0.50% · 4.625%
HK$27,726
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,272/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,360
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,094
−HK$744/mo
Today · 4.125%
HK$28,838
baseline
▲ 0.50% · 4.625%
HK$30,358
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,676/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,512
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,430
−HK$933/mo
Today · 4.125%
HK$31,363
baseline
▲ 0.50% · 4.625%
HK$33,271
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,726/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,832
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,713
−HK$893/mo
Today · 4.125%
HK$34,606
baseline
▲ 0.50% · 4.625%
HK$36,430
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,212/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,431
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,502
−HK$1,088/mo
Today · 4.125%
HK$36,590
baseline
▲ 0.50% · 4.625%
HK$38,817
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,180/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,304
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,331
−HK$1,043/mo
Today · 4.125%
HK$40,374
baseline
▲ 0.50% · 4.625%
HK$42,502
+HK$2,128/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,748/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,268
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,645
−HK$1,399/mo
Today · 4.125%
HK$47,044
baseline
▲ 0.50% · 4.625%
HK$49,907
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,088/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,248
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,569
−HK$1,340/mo
Today · 4.125%
HK$51,909
baseline
▲ 0.50% · 4.625%
HK$54,645
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,818/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,454 · Scale 2, in force from 26 Feb 2026)