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$24,580
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,344
−HK$777/mo
Today · 4.125%
HK$26,121
baseline
▲ 0.50% · 4.625%
HK$27,710
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,242/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,345
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,078
−HK$744/mo
Today · 4.125%
HK$28,822
baseline
▲ 0.50% · 4.625%
HK$30,341
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,644/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,496
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,413
−HK$932/mo
Today · 4.125%
HK$31,345
baseline
▲ 0.50% · 4.625%
HK$33,252
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,690/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,813
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,694
−HK$892/mo
Today · 4.125%
HK$34,586
baseline
▲ 0.50% · 4.625%
HK$36,409
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,172/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,411
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,482
−HK$1,087/mo
Today · 4.125%
HK$36,569
baseline
▲ 0.50% · 4.625%
HK$38,795
+HK$2,226/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,138/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,282
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,309
−HK$1,042/mo
Today · 4.125%
HK$40,351
baseline
▲ 0.50% · 4.625%
HK$42,478
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,702/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,243
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,620
−HK$1,398/mo
Today · 4.125%
HK$47,018
baseline
▲ 0.50% · 4.625%
HK$49,879
+HK$2,861/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,036/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,220
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,540
−HK$1,339/mo
Today · 4.125%
HK$51,879
baseline
▲ 0.50% · 4.625%
HK$54,614
+HK$2,735/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,758/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,225 · Scale 2, in force from 26 Feb 2026)