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$24,588
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,353
−HK$777/mo
Today · 4.125%
HK$26,130
baseline
▲ 0.50% · 4.625%
HK$27,720
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,260/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,354
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,088
−HK$744/mo
Today · 4.125%
HK$28,832
baseline
▲ 0.50% · 4.625%
HK$30,352
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,664/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,506
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,424
−HK$932/mo
Today · 4.125%
HK$31,356
baseline
▲ 0.50% · 4.625%
HK$33,264
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,712/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,825
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,705
−HK$894/mo
Today · 4.125%
HK$34,599
baseline
▲ 0.50% · 4.625%
HK$36,422
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,198/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,424
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,494
−HK$1,088/mo
Today · 4.125%
HK$36,582
baseline
▲ 0.50% · 4.625%
HK$38,808
+HK$2,226/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,164/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,296
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,323
−HK$1,042/mo
Today · 4.125%
HK$40,365
baseline
▲ 0.50% · 4.625%
HK$42,493
+HK$2,128/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,730/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,259
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,636
−HK$1,398/mo
Today · 4.125%
HK$47,034
baseline
▲ 0.50% · 4.625%
HK$49,896
+HK$2,862/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,068/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,238
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,558
−HK$1,340/mo
Today · 4.125%
HK$51,898
baseline
▲ 0.50% · 4.625%
HK$54,633
+HK$2,735/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,796/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,369 · Scale 2, in force from 26 Feb 2026)