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$24,563
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,328
−HK$776/mo
Today · 4.125%
HK$26,104
baseline
▲ 0.50% · 4.625%
HK$27,692
+HK$1,588/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,208/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,327
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,059
−HK$744/mo
Today · 4.125%
HK$28,803
baseline
▲ 0.50% · 4.625%
HK$30,321
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,606/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,476
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,393
−HK$932/mo
Today · 4.125%
HK$31,325
baseline
▲ 0.50% · 4.625%
HK$33,231
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,650/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,792
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,671
−HK$893/mo
Today · 4.125%
HK$34,564
baseline
▲ 0.50% · 4.625%
HK$36,385
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,128/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,389
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,459
−HK$1,086/mo
Today · 4.125%
HK$36,545
baseline
▲ 0.50% · 4.625%
HK$38,769
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,090/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,257
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,283
−HK$1,041/mo
Today · 4.125%
HK$40,324
baseline
▲ 0.50% · 4.625%
HK$42,450
+HK$2,126/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,648/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,214
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,590
−HK$1,397/mo
Today · 4.125%
HK$46,987
baseline
▲ 0.50% · 4.625%
HK$49,846
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$93,974/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,188
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,507
−HK$1,338/mo
Today · 4.125%
HK$51,845
baseline
▲ 0.50% · 4.625%
HK$54,578
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,690/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,959 · Scale 2, in force from 26 Feb 2026)