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$24,561
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,325
−HK$776/mo
Today · 4.125%
HK$26,101
baseline
▲ 0.50% · 4.625%
HK$27,690
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,202/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,324
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,057
−HK$743/mo
Today · 4.125%
HK$28,800
baseline
▲ 0.50% · 4.625%
HK$30,318
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,600/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,474
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,390
−HK$932/mo
Today · 4.125%
HK$31,322
baseline
▲ 0.50% · 4.625%
HK$33,228
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,644/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,789
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,668
−HK$892/mo
Today · 4.125%
HK$34,560
baseline
▲ 0.50% · 4.625%
HK$36,382
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,120/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,386
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,455
−HK$1,087/mo
Today · 4.125%
HK$36,542
baseline
▲ 0.50% · 4.625%
HK$38,766
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,084/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,254
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,280
−HK$1,041/mo
Today · 4.125%
HK$40,321
baseline
▲ 0.50% · 4.625%
HK$42,446
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,642/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,210
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,585
−HK$1,398/mo
Today · 4.125%
HK$46,983
baseline
▲ 0.50% · 4.625%
HK$49,841
+HK$2,858/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,966/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,183
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,503
−HK$1,338/mo
Today · 4.125%
HK$51,841
baseline
▲ 0.50% · 4.625%
HK$54,573
+HK$2,732/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,682/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,923 · Scale 2, in force from 26 Feb 2026)