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$24,577
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,342
−HK$777/mo
Today · 4.125%
HK$26,119
baseline
▲ 0.50% · 4.625%
HK$27,708
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,238/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,342
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,075
−HK$744/mo
Today · 4.125%
HK$28,819
baseline
▲ 0.50% · 4.625%
HK$30,338
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,638/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,493
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,410
−HK$932/mo
Today · 4.125%
HK$31,342
baseline
▲ 0.50% · 4.625%
HK$33,249
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,684/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,810
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,690
−HK$893/mo
Today · 4.125%
HK$34,583
baseline
▲ 0.50% · 4.625%
HK$36,406
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,166/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,408
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,479
−HK$1,087/mo
Today · 4.125%
HK$36,566
baseline
▲ 0.50% · 4.625%
HK$38,791
+HK$2,225/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,132/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,279
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,305
−HK$1,042/mo
Today · 4.125%
HK$40,347
baseline
▲ 0.50% · 4.625%
HK$42,474
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,694/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,239
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,615
−HK$1,398/mo
Today · 4.125%
HK$47,013
baseline
▲ 0.50% · 4.625%
HK$49,874
+HK$2,861/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,026/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,216
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,536
−HK$1,339/mo
Today · 4.125%
HK$51,875
baseline
▲ 0.50% · 4.625%
HK$54,609
+HK$2,734/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,750/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,187 · Scale 2, in force from 26 Feb 2026)