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$24,585
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,349
−HK$777/mo
Today · 4.125%
HK$26,126
baseline
▲ 0.50% · 4.625%
HK$27,716
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,252/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,350
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,084
−HK$744/mo
Today · 4.125%
HK$28,828
baseline
▲ 0.50% · 4.625%
HK$30,347
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,656/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,501
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,419
−HK$932/mo
Today · 4.125%
HK$31,351
baseline
▲ 0.50% · 4.625%
HK$33,259
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,702/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,820
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,700
−HK$893/mo
Today · 4.125%
HK$34,593
baseline
▲ 0.50% · 4.625%
HK$36,417
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,186/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,418
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,489
−HK$1,088/mo
Today · 4.125%
HK$36,577
baseline
▲ 0.50% · 4.625%
HK$38,802
+HK$2,225/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,154/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,290
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,317
−HK$1,042/mo
Today · 4.125%
HK$40,359
baseline
▲ 0.50% · 4.625%
HK$42,486
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,718/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,252
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,629
−HK$1,398/mo
Today · 4.125%
HK$47,027
baseline
▲ 0.50% · 4.625%
HK$49,889
+HK$2,862/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,054/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,230
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,550
−HK$1,340/mo
Today · 4.125%
HK$51,890
baseline
▲ 0.50% · 4.625%
HK$54,625
+HK$2,735/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,780/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,306 · Scale 2, in force from 26 Feb 2026)