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$24,578
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,343
−HK$777/mo
Today · 4.125%
HK$26,120
baseline
▲ 0.50% · 4.625%
HK$27,709
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,240/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,343
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,077
−HK$744/mo
Today · 4.125%
HK$28,821
baseline
▲ 0.50% · 4.625%
HK$30,340
+HK$1,519/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,642/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,494
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,412
−HK$932/mo
Today · 4.125%
HK$31,344
baseline
▲ 0.50% · 4.625%
HK$33,251
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,688/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,812
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,692
−HK$893/mo
Today · 4.125%
HK$34,585
baseline
▲ 0.50% · 4.625%
HK$36,408
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,170/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,410
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,480
−HK$1,088/mo
Today · 4.125%
HK$36,568
baseline
▲ 0.50% · 4.625%
HK$38,793
+HK$2,225/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,136/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,281
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,307
−HK$1,042/mo
Today · 4.125%
HK$40,349
baseline
▲ 0.50% · 4.625%
HK$42,476
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,698/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,241
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,617
−HK$1,399/mo
Today · 4.125%
HK$47,016
baseline
▲ 0.50% · 4.625%
HK$49,876
+HK$2,860/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,032/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,218
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,538
−HK$1,339/mo
Today · 4.125%
HK$51,877
baseline
▲ 0.50% · 4.625%
HK$54,612
+HK$2,735/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,754/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,206 · Scale 2, in force from 26 Feb 2026)