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$24,569
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,334
−HK$776/mo
Today · 4.125%
HK$26,110
baseline
▲ 0.50% · 4.625%
HK$27,699
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,220/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,333
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,066
−HK$744/mo
Today · 4.125%
HK$28,810
baseline
▲ 0.50% · 4.625%
HK$30,329
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,620/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,483
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,400
−HK$932/mo
Today · 4.125%
HK$31,332
baseline
▲ 0.50% · 4.625%
HK$33,239
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,664/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,800
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,680
−HK$892/mo
Today · 4.125%
HK$34,572
baseline
▲ 0.50% · 4.625%
HK$36,394
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,144/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,397
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,467
−HK$1,087/mo
Today · 4.125%
HK$36,554
baseline
▲ 0.50% · 4.625%
HK$38,778
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,108/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,267
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,293
−HK$1,041/mo
Today · 4.125%
HK$40,334
baseline
▲ 0.50% · 4.625%
HK$42,460
+HK$2,126/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,668/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,225
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,601
−HK$1,397/mo
Today · 4.125%
HK$46,998
baseline
▲ 0.50% · 4.625%
HK$49,858
+HK$2,860/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$93,996/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,200
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,519
−HK$1,339/mo
Today · 4.125%
HK$51,858
baseline
▲ 0.50% · 4.625%
HK$54,592
+HK$2,734/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,716/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,058 · Scale 2, in force from 26 Feb 2026)