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$24,574
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,338
−HK$777/mo
Today · 4.125%
HK$26,115
baseline
▲ 0.50% · 4.625%
HK$27,704
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,230/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,338
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,072
−HK$743/mo
Today · 4.125%
HK$28,815
baseline
▲ 0.50% · 4.625%
HK$30,334
+HK$1,519/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$404,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,489
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,406
−HK$932/mo
Today · 4.125%
HK$31,338
baseline
▲ 0.50% · 4.625%
HK$33,245
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,676/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,806
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,686
−HK$892/mo
Today · 4.125%
HK$34,578
baseline
▲ 0.50% · 4.625%
HK$36,401
+HK$1,823/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$404,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,404
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,474
−HK$1,087/mo
Today · 4.125%
HK$36,561
baseline
▲ 0.50% · 4.625%
HK$38,786
+HK$2,225/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,122/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,274
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,300
−HK$1,041/mo
Today · 4.125%
HK$40,341
baseline
▲ 0.50% · 4.625%
HK$42,468
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,682/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,233
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,609
−HK$1,398/mo
Today · 4.125%
HK$47,007
baseline
▲ 0.50% · 4.625%
HK$49,867
+HK$2,860/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,014/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,209
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,529
−HK$1,339/mo
Today · 4.125%
HK$51,868
baseline
▲ 0.50% · 4.625%
HK$54,602
+HK$2,734/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,736/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,133 · Scale 2, in force from 26 Feb 2026)