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$24,596
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,361
−HK$777/mo
Today · 4.125%
HK$26,138
baseline
▲ 0.50% · 4.625%
HK$27,729
+HK$1,591/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,276/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,363
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,096
−HK$745/mo
Today · 4.125%
HK$28,841
baseline
▲ 0.50% · 4.625%
HK$30,361
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,682/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,515
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,433
−HK$933/mo
Today · 4.125%
HK$31,366
baseline
▲ 0.50% · 4.625%
HK$33,274
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,732/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,835
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,716
−HK$893/mo
Today · 4.125%
HK$34,609
baseline
▲ 0.50% · 4.625%
HK$36,433
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,218/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,434
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,505
−HK$1,089/mo
Today · 4.125%
HK$36,594
baseline
▲ 0.50% · 4.625%
HK$38,820
+HK$2,226/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,188/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,308
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,335
−HK$1,042/mo
Today · 4.125%
HK$40,377
baseline
▲ 0.50% · 4.625%
HK$42,506
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,754/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,273
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,650
−HK$1,399/mo
Today · 4.125%
HK$47,049
baseline
▲ 0.50% · 4.625%
HK$49,912
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,098/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,253
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,574
−HK$1,340/mo
Today · 4.125%
HK$51,914
baseline
▲ 0.50% · 4.625%
HK$54,650
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,828/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,492 · Scale 2, in force from 26 Feb 2026)