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$24,565
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,329
−HK$776/mo
Today · 4.125%
HK$26,105
baseline
▲ 0.50% · 4.625%
HK$27,694
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,210/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,328
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,061
−HK$744/mo
Today · 4.125%
HK$28,805
baseline
▲ 0.50% · 4.625%
HK$30,323
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,610/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,478
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,395
−HK$931/mo
Today · 4.125%
HK$31,326
baseline
▲ 0.50% · 4.625%
HK$33,233
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,652/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,794
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,673
−HK$893/mo
Today · 4.125%
HK$34,566
baseline
▲ 0.50% · 4.625%
HK$36,388
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,132/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,391
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,461
−HK$1,086/mo
Today · 4.125%
HK$36,547
baseline
▲ 0.50% · 4.625%
HK$38,771
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,094/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,260
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,286
−HK$1,041/mo
Today · 4.125%
HK$40,327
baseline
▲ 0.50% · 4.625%
HK$42,452
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,654/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$403,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,217
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,592
−HK$1,398/mo
Today · 4.125%
HK$46,990
baseline
▲ 0.50% · 4.625%
HK$49,849
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$93,980/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,191
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,510
−HK$1,338/mo
Today · 4.125%
HK$51,848
baseline
▲ 0.50% · 4.625%
HK$54,581
+HK$2,733/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,696/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,983 · Scale 2, in force from 26 Feb 2026)