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$24,568
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,332
−HK$776/mo
Today · 4.125%
HK$26,108
baseline
▲ 0.50% · 4.625%
HK$27,697
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,216/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,331
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,064
−HK$744/mo
Today · 4.125%
HK$28,808
baseline
▲ 0.50% · 4.625%
HK$30,326
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,616/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,481
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,398
−HK$932/mo
Today · 4.125%
HK$31,330
baseline
▲ 0.50% · 4.625%
HK$33,236
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,660/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,797
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,677
−HK$892/mo
Today · 4.125%
HK$34,569
baseline
▲ 0.50% · 4.625%
HK$36,392
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,138/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,395
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,465
−HK$1,086/mo
Today · 4.125%
HK$36,551
baseline
▲ 0.50% · 4.625%
HK$38,776
+HK$2,225/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,102/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,264
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,290
−HK$1,041/mo
Today · 4.125%
HK$40,331
baseline
▲ 0.50% · 4.625%
HK$42,457
+HK$2,126/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,662/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,222
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,597
−HK$1,398/mo
Today · 4.125%
HK$46,995
baseline
▲ 0.50% · 4.625%
HK$49,854
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$93,990/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,196
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,516
−HK$1,338/mo
Today · 4.125%
HK$51,854
baseline
▲ 0.50% · 4.625%
HK$54,587
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,708/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,027 · Scale 2, in force from 26 Feb 2026)