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$24,566
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,330
−HK$776/mo
Today · 4.125%
HK$26,106
baseline
▲ 0.50% · 4.625%
HK$27,695
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,212/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,329
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,062
−HK$744/mo
Today · 4.125%
HK$28,806
baseline
▲ 0.50% · 4.625%
HK$30,324
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,612/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,479
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,396
−HK$931/mo
Today · 4.125%
HK$31,327
baseline
▲ 0.50% · 4.625%
HK$33,234
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,654/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,795
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,674
−HK$893/mo
Today · 4.125%
HK$34,567
baseline
▲ 0.50% · 4.625%
HK$36,389
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,134/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,392
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,462
−HK$1,087/mo
Today · 4.125%
HK$36,549
baseline
▲ 0.50% · 4.625%
HK$38,772
+HK$2,223/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,098/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,261
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,287
−HK$1,041/mo
Today · 4.125%
HK$40,328
baseline
▲ 0.50% · 4.625%
HK$42,453
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,656/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,218
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,594
−HK$1,397/mo
Today · 4.125%
HK$46,991
baseline
▲ 0.50% · 4.625%
HK$49,850
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$93,982/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,192
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,512
−HK$1,338/mo
Today · 4.125%
HK$51,850
baseline
▲ 0.50% · 4.625%
HK$54,583
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,700/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,995 · Scale 2, in force from 26 Feb 2026)