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$24,556
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,320
−HK$776/mo
Today · 4.125%
HK$26,096
baseline
▲ 0.50% · 4.625%
HK$27,684
+HK$1,588/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,192/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,318
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,051
−HK$743/mo
Today · 4.125%
HK$28,794
baseline
▲ 0.50% · 4.625%
HK$30,312
+HK$1,518/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,588/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,467
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,384
−HK$931/mo
Today · 4.125%
HK$31,315
baseline
▲ 0.50% · 4.625%
HK$33,221
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,630/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,782
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,661
−HK$892/mo
Today · 4.125%
HK$34,553
baseline
▲ 0.50% · 4.625%
HK$36,374
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,106/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,378
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,448
−HK$1,086/mo
Today · 4.125%
HK$36,534
baseline
▲ 0.50% · 4.625%
HK$38,757
+HK$2,223/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,068/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,246
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,271
−HK$1,041/mo
Today · 4.125%
HK$40,312
baseline
▲ 0.50% · 4.625%
HK$42,437
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,624/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,201
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,576
−HK$1,397/mo
Today · 4.125%
HK$46,973
baseline
▲ 0.50% · 4.625%
HK$49,831
+HK$2,858/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,946/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,173
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,492
−HK$1,338/mo
Today · 4.125%
HK$51,830
baseline
▲ 0.50% · 4.625%
HK$54,562
+HK$2,732/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,660/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,837 · Scale 2, in force from 26 Feb 2026)