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$1,541/mo
▼ 0.25% · 3.875%
HK$25,333
−HK$777/mo
Today · 4.125%
HK$26,110
baseline
▲ 0.50% · 4.625%
HK$27,698
+HK$1,588/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,220/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,333
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,066
−HK$744/mo
Today · 4.125%
HK$28,810
baseline
▲ 0.50% · 4.625%
HK$30,328
+HK$1,518/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,620/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,483
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,400
−HK$932/mo
Today · 4.125%
HK$31,332
baseline
▲ 0.50% · 4.625%
HK$33,238
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,664/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$404,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,799
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,679
−HK$892/mo
Today · 4.125%
HK$34,571
baseline
▲ 0.50% · 4.625%
HK$36,394
+HK$1,823/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$404,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,397
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,467
−HK$1,087/mo
Today · 4.125%
HK$36,554
baseline
▲ 0.50% · 4.625%
HK$38,778
+HK$2,224/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,108/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,266
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,292
−HK$1,041/mo
Today · 4.125%
HK$40,333
baseline
▲ 0.50% · 4.625%
HK$42,459
+HK$2,126/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,666/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,224
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,600
−HK$1,398/mo
Today · 4.125%
HK$46,998
baseline
▲ 0.50% · 4.625%
HK$49,857
+HK$2,859/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$93,996/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,199
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,519
−HK$1,338/mo
Today · 4.125%
HK$51,857
baseline
▲ 0.50% · 4.625%
HK$54,591
+HK$2,734/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,714/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,051 · Scale 2, in force from 26 Feb 2026)