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$24,581
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,346
−HK$777/mo
Today · 4.125%
HK$26,123
baseline
▲ 0.50% · 4.625%
HK$27,712
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,246/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,346
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,080
−HK$744/mo
Today · 4.125%
HK$28,824
baseline
▲ 0.50% · 4.625%
HK$30,343
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,648/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,497
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,415
−HK$932/mo
Today · 4.125%
HK$31,347
baseline
▲ 0.50% · 4.625%
HK$33,254
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,694/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,815
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,696
−HK$892/mo
Today · 4.125%
HK$34,588
baseline
▲ 0.50% · 4.625%
HK$36,412
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,176/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,413
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,484
−HK$1,088/mo
Today · 4.125%
HK$36,572
baseline
▲ 0.50% · 4.625%
HK$38,797
+HK$2,225/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,144/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,285
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,311
−HK$1,042/mo
Today · 4.125%
HK$40,353
baseline
▲ 0.50% · 4.625%
HK$42,480
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,706/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,246
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,622
−HK$1,399/mo
Today · 4.125%
HK$47,021
baseline
▲ 0.50% · 4.625%
HK$49,882
+HK$2,861/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,042/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,223
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,543
−HK$1,339/mo
Today · 4.125%
HK$51,882
baseline
▲ 0.50% · 4.625%
HK$54,617
+HK$2,735/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,764/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,249 · Scale 2, in force from 26 Feb 2026)