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$1,540/mo
▼ 0.25% · 3.875%
HK$25,333
−HK$776/mo
Today · 4.125%
HK$26,109
baseline
▲ 0.50% · 4.625%
HK$27,698
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,218/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,332
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,065
−HK$744/mo
Today · 4.125%
HK$28,809
baseline
▲ 0.50% · 4.625%
HK$30,327
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,618/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,482
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,399
−HK$932/mo
Today · 4.125%
HK$31,331
baseline
▲ 0.50% · 4.625%
HK$33,237
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,662/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,799
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,678
−HK$893/mo
Today · 4.125%
HK$34,571
baseline
▲ 0.50% · 4.625%
HK$36,393
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,142/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,396
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,466
−HK$1,087/mo
Today · 4.125%
HK$36,553
baseline
▲ 0.50% · 4.625%
HK$38,777
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,106/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,265
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,291
−HK$1,041/mo
Today · 4.125%
HK$40,332
baseline
▲ 0.50% · 4.625%
HK$42,458
+HK$2,126/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,664/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,223
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,599
−HK$1,397/mo
Today · 4.125%
HK$46,996
baseline
▲ 0.50% · 4.625%
HK$49,856
+HK$2,860/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$93,992/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,198
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,517
−HK$1,339/mo
Today · 4.125%
HK$51,856
baseline
▲ 0.50% · 4.625%
HK$54,589
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,712/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,042 · Scale 2, in force from 26 Feb 2026)