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$24,595
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,360
−HK$778/mo
Today · 4.125%
HK$26,138
baseline
▲ 0.50% · 4.625%
HK$27,728
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,276/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,362
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,096
−HK$744/mo
Today · 4.125%
HK$28,840
baseline
▲ 0.50% · 4.625%
HK$30,361
+HK$1,521/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,680/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,514
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,433
−HK$932/mo
Today · 4.125%
HK$31,365
baseline
▲ 0.50% · 4.625%
HK$33,274
+HK$1,909/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,730/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,835
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,715
−HK$894/mo
Today · 4.125%
HK$34,609
baseline
▲ 0.50% · 4.625%
HK$36,433
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,218/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,434
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,505
−HK$1,088/mo
Today · 4.125%
HK$36,593
baseline
▲ 0.50% · 4.625%
HK$38,819
+HK$2,226/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,186/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,307
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,334
−HK$1,043/mo
Today · 4.125%
HK$40,377
baseline
▲ 0.50% · 4.625%
HK$42,505
+HK$2,128/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,754/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,272
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,649
−HK$1,399/mo
Today · 4.125%
HK$47,048
baseline
▲ 0.50% · 4.625%
HK$49,911
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,096/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,252
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,573
−HK$1,340/mo
Today · 4.125%
HK$51,913
baseline
▲ 0.50% · 4.625%
HK$54,649
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,826/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,485 · Scale 2, in force from 26 Feb 2026)