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$24,561
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,325
−HK$776/mo
Today · 4.125%
HK$26,101
baseline
▲ 0.50% · 4.625%
HK$27,689
+HK$1,588/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,202/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,323
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,056
−HK$744/mo
Today · 4.125%
HK$28,800
baseline
▲ 0.50% · 4.625%
HK$30,318
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,600/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,473
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,390
−HK$931/mo
Today · 4.125%
HK$31,321
baseline
▲ 0.50% · 4.625%
HK$33,227
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,642/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,788
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,668
−HK$892/mo
Today · 4.125%
HK$34,560
baseline
▲ 0.50% · 4.625%
HK$36,381
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,120/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,385
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,454
−HK$1,087/mo
Today · 4.125%
HK$36,541
baseline
▲ 0.50% · 4.625%
HK$38,765
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,082/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,253
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,279
−HK$1,041/mo
Today · 4.125%
HK$40,320
baseline
▲ 0.50% · 4.625%
HK$42,445
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,640/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,209
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,584
−HK$1,397/mo
Today · 4.125%
HK$46,981
baseline
▲ 0.50% · 4.625%
HK$49,840
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,962/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,182
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,501
−HK$1,338/mo
Today · 4.125%
HK$51,839
baseline
▲ 0.50% · 4.625%
HK$54,572
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,678/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,913 · Scale 2, in force from 26 Feb 2026)