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$24,582
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,347
−HK$777/mo
Today · 4.125%
HK$26,124
baseline
▲ 0.50% · 4.625%
HK$27,713
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,248/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,348
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,081
−HK$744/mo
Today · 4.125%
HK$28,825
baseline
▲ 0.50% · 4.625%
HK$30,345
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,650/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,499
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,416
−HK$933/mo
Today · 4.125%
HK$31,349
baseline
▲ 0.50% · 4.625%
HK$33,256
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,698/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,817
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,697
−HK$893/mo
Today · 4.125%
HK$34,590
baseline
▲ 0.50% · 4.625%
HK$36,413
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,180/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,415
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,486
−HK$1,087/mo
Today · 4.125%
HK$36,573
baseline
▲ 0.50% · 4.625%
HK$38,799
+HK$2,226/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,146/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,287
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,313
−HK$1,042/mo
Today · 4.125%
HK$40,355
baseline
▲ 0.50% · 4.625%
HK$42,482
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,710/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,248
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,625
−HK$1,398/mo
Today · 4.125%
HK$47,023
baseline
▲ 0.50% · 4.625%
HK$49,884
+HK$2,861/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,046/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,226
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,546
−HK$1,339/mo
Today · 4.125%
HK$51,885
baseline
▲ 0.50% · 4.625%
HK$54,620
+HK$2,735/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,770/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,270 · Scale 2, in force from 26 Feb 2026)