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$24,586
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,350
−HK$777/mo
Today · 4.125%
HK$26,127
baseline
▲ 0.50% · 4.625%
HK$27,717
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,254/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,351
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,085
−HK$744/mo
Today · 4.125%
HK$28,829
baseline
▲ 0.50% · 4.625%
HK$30,349
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,658/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,503
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,420
−HK$933/mo
Today · 4.125%
HK$31,353
baseline
▲ 0.50% · 4.625%
HK$33,261
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,706/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,821
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,702
−HK$893/mo
Today · 4.125%
HK$34,595
baseline
▲ 0.50% · 4.625%
HK$36,418
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,190/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,420
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,490
−HK$1,088/mo
Today · 4.125%
HK$36,578
baseline
▲ 0.50% · 4.625%
HK$38,804
+HK$2,226/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,156/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,292
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,319
−HK$1,042/mo
Today · 4.125%
HK$40,361
baseline
▲ 0.50% · 4.625%
HK$42,488
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,722/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,254
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,631
−HK$1,398/mo
Today · 4.125%
HK$47,029
baseline
▲ 0.50% · 4.625%
HK$49,891
+HK$2,862/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,058/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,232
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,553
−HK$1,339/mo
Today · 4.125%
HK$51,892
baseline
▲ 0.50% · 4.625%
HK$54,627
+HK$2,735/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,784/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,323 · Scale 2, in force from 26 Feb 2026)