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$24,584
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,348
−HK$777/mo
Today · 4.125%
HK$26,125
baseline
▲ 0.50% · 4.625%
HK$27,715
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,250/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,349
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,083
−HK$744/mo
Today · 4.125%
HK$28,827
baseline
▲ 0.50% · 4.625%
HK$30,346
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,654/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,500
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,418
−HK$932/mo
Today · 4.125%
HK$31,350
baseline
▲ 0.50% · 4.625%
HK$33,258
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,700/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,819
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,699
−HK$893/mo
Today · 4.125%
HK$34,592
baseline
▲ 0.50% · 4.625%
HK$36,415
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,184/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,417
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,488
−HK$1,087/mo
Today · 4.125%
HK$36,575
baseline
▲ 0.50% · 4.625%
HK$38,801
+HK$2,226/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,150/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,289
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,316
−HK$1,041/mo
Today · 4.125%
HK$40,357
baseline
▲ 0.50% · 4.625%
HK$42,485
+HK$2,128/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,714/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,251
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,627
−HK$1,399/mo
Today · 4.125%
HK$47,026
baseline
▲ 0.50% · 4.625%
HK$49,887
+HK$2,861/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,052/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,228
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,549
−HK$1,339/mo
Today · 4.125%
HK$51,888
baseline
▲ 0.50% · 4.625%
HK$54,623
+HK$2,735/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,776/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,292 · Scale 2, in force from 26 Feb 2026)