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$24,591
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,356
−HK$777/mo
Today · 4.125%
HK$26,133
baseline
▲ 0.50% · 4.625%
HK$27,723
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,266/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,357
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,091
−HK$744/mo
Today · 4.125%
HK$28,835
baseline
▲ 0.50% · 4.625%
HK$30,355
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,670/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,509
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,427
−HK$933/mo
Today · 4.125%
HK$31,360
baseline
▲ 0.50% · 4.625%
HK$33,268
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,720/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,829
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,709
−HK$893/mo
Today · 4.125%
HK$34,602
baseline
▲ 0.50% · 4.625%
HK$36,426
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,204/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,427
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,498
−HK$1,088/mo
Today · 4.125%
HK$36,586
baseline
▲ 0.50% · 4.625%
HK$38,813
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,172/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,300
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,327
−HK$1,042/mo
Today · 4.125%
HK$40,369
baseline
▲ 0.50% · 4.625%
HK$42,497
+HK$2,128/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,738/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,264
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,641
−HK$1,399/mo
Today · 4.125%
HK$47,040
baseline
▲ 0.50% · 4.625%
HK$49,902
+HK$2,862/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,080/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,243
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,564
−HK$1,340/mo
Today · 4.125%
HK$51,904
baseline
▲ 0.50% · 4.625%
HK$54,640
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,808/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,413 · Scale 2, in force from 26 Feb 2026)