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$1,540/mo
▼ 0.25% · 3.875%
HK$25,327
−HK$776/mo
Today · 4.125%
HK$26,103
baseline
▲ 0.50% · 4.625%
HK$27,691
+HK$1,588/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,206/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,326
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,059
−HK$743/mo
Today · 4.125%
HK$28,802
baseline
▲ 0.50% · 4.625%
HK$30,320
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,604/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,475
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,392
−HK$932/mo
Today · 4.125%
HK$31,324
baseline
▲ 0.50% · 4.625%
HK$33,230
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,648/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,791
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,670
−HK$893/mo
Today · 4.125%
HK$34,563
baseline
▲ 0.50% · 4.625%
HK$36,384
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,126/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,388
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,458
−HK$1,086/mo
Today · 4.125%
HK$36,544
baseline
▲ 0.50% · 4.625%
HK$38,768
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,088/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,256
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,282
−HK$1,041/mo
Today · 4.125%
HK$40,323
baseline
▲ 0.50% · 4.625%
HK$42,448
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,646/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,213
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,588
−HK$1,397/mo
Today · 4.125%
HK$46,985
baseline
▲ 0.50% · 4.625%
HK$49,844
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,970/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,186
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,506
−HK$1,338/mo
Today · 4.125%
HK$51,844
baseline
▲ 0.50% · 4.625%
HK$54,577
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,688/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,948 · Scale 2, in force from 26 Feb 2026)