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$24,590
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,355
−HK$777/mo
Today · 4.125%
HK$26,132
baseline
▲ 0.50% · 4.625%
HK$27,722
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,264/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,356
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,090
−HK$744/mo
Today · 4.125%
HK$28,834
baseline
▲ 0.50% · 4.625%
HK$30,354
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,668/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,508
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,426
−HK$933/mo
Today · 4.125%
HK$31,359
baseline
▲ 0.50% · 4.625%
HK$33,267
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,718/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,828
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,708
−HK$893/mo
Today · 4.125%
HK$34,601
baseline
▲ 0.50% · 4.625%
HK$36,425
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,202/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,426
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,497
−HK$1,088/mo
Today · 4.125%
HK$36,585
baseline
▲ 0.50% · 4.625%
HK$38,811
+HK$2,226/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,170/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,299
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,326
−HK$1,042/mo
Today · 4.125%
HK$40,368
baseline
▲ 0.50% · 4.625%
HK$42,496
+HK$2,128/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,736/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,262
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,639
−HK$1,399/mo
Today · 4.125%
HK$47,038
baseline
▲ 0.50% · 4.625%
HK$49,900
+HK$2,862/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,076/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,241
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,562
−HK$1,340/mo
Today · 4.125%
HK$51,902
baseline
▲ 0.50% · 4.625%
HK$54,637
+HK$2,735/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,804/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,398 · Scale 2, in force from 26 Feb 2026)