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$24,580
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,345
−HK$777/mo
Today · 4.125%
HK$26,122
baseline
▲ 0.50% · 4.625%
HK$27,711
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,244/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,345
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,079
−HK$744/mo
Today · 4.125%
HK$28,823
baseline
▲ 0.50% · 4.625%
HK$30,342
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,646/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,497
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,414
−HK$932/mo
Today · 4.125%
HK$31,346
baseline
▲ 0.50% · 4.625%
HK$33,254
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,692/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,815
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,695
−HK$892/mo
Today · 4.125%
HK$34,587
baseline
▲ 0.50% · 4.625%
HK$36,411
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,174/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,413
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,483
−HK$1,088/mo
Today · 4.125%
HK$36,571
baseline
▲ 0.50% · 4.625%
HK$38,796
+HK$2,225/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,142/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,284
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,310
−HK$1,042/mo
Today · 4.125%
HK$40,352
baseline
▲ 0.50% · 4.625%
HK$42,479
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,704/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,245
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,621
−HK$1,398/mo
Today · 4.125%
HK$47,019
baseline
▲ 0.50% · 4.625%
HK$49,880
+HK$2,861/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,038/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,222
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,542
−HK$1,339/mo
Today · 4.125%
HK$51,881
baseline
▲ 0.50% · 4.625%
HK$54,616
+HK$2,735/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,762/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,238 · Scale 2, in force from 26 Feb 2026)