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$24,597
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,363
−HK$777/mo
Today · 4.125%
HK$26,140
baseline
▲ 0.50% · 4.625%
HK$27,730
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,280/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,364
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,098
−HK$745/mo
Today · 4.125%
HK$28,843
baseline
▲ 0.50% · 4.625%
HK$30,363
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,686/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,517
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,435
−HK$933/mo
Today · 4.125%
HK$31,368
baseline
▲ 0.50% · 4.625%
HK$33,277
+HK$1,909/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,736/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,837
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,718
−HK$893/mo
Today · 4.125%
HK$34,611
baseline
▲ 0.50% · 4.625%
HK$36,436
+HK$1,825/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,222/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,436
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,508
−HK$1,088/mo
Today · 4.125%
HK$36,596
baseline
▲ 0.50% · 4.625%
HK$38,823
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,192/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,310
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,338
−HK$1,042/mo
Today · 4.125%
HK$40,380
baseline
▲ 0.50% · 4.625%
HK$42,508
+HK$2,128/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,760/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,275
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,653
−HK$1,399/mo
Today · 4.125%
HK$47,052
baseline
▲ 0.50% · 4.625%
HK$49,915
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,104/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,256
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,577
−HK$1,340/mo
Today · 4.125%
HK$51,917
baseline
▲ 0.50% · 4.625%
HK$54,654
+HK$2,737/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,834/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,518 · Scale 2, in force from 26 Feb 2026)