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$24,572
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,337
−HK$776/mo
Today · 4.125%
HK$26,113
baseline
▲ 0.50% · 4.625%
HK$27,702
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,226/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,337
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,070
−HK$744/mo
Today · 4.125%
HK$28,814
baseline
▲ 0.50% · 4.625%
HK$30,332
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,628/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,487
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,404
−HK$932/mo
Today · 4.125%
HK$31,336
baseline
▲ 0.50% · 4.625%
HK$33,243
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,672/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,804
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,684
−HK$892/mo
Today · 4.125%
HK$34,576
baseline
▲ 0.50% · 4.625%
HK$36,399
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,152/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,401
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,472
−HK$1,087/mo
Today · 4.125%
HK$36,559
baseline
▲ 0.50% · 4.625%
HK$38,783
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,118/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,271
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,298
−HK$1,041/mo
Today · 4.125%
HK$40,339
baseline
▲ 0.50% · 4.625%
HK$42,465
+HK$2,126/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,678/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,230
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,606
−HK$1,398/mo
Today · 4.125%
HK$47,004
baseline
▲ 0.50% · 4.625%
HK$49,864
+HK$2,860/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,008/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,206
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,526
−HK$1,338/mo
Today · 4.125%
HK$51,864
baseline
▲ 0.50% · 4.625%
HK$54,598
+HK$2,734/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,728/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,107 · Scale 2, in force from 26 Feb 2026)