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$24,589
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,354
−HK$777/mo
Today · 4.125%
HK$26,131
baseline
▲ 0.50% · 4.625%
HK$27,721
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,262/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,355
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,089
−HK$744/mo
Today · 4.125%
HK$28,833
baseline
▲ 0.50% · 4.625%
HK$30,353
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,666/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,507
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,425
−HK$933/mo
Today · 4.125%
HK$31,358
baseline
▲ 0.50% · 4.625%
HK$33,266
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,716/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,827
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,707
−HK$893/mo
Today · 4.125%
HK$34,600
baseline
▲ 0.50% · 4.625%
HK$36,424
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,200/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,425
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,496
−HK$1,088/mo
Today · 4.125%
HK$36,584
baseline
▲ 0.50% · 4.625%
HK$38,810
+HK$2,226/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,168/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,298
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,325
−HK$1,042/mo
Today · 4.125%
HK$40,367
baseline
▲ 0.50% · 4.625%
HK$42,495
+HK$2,128/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,734/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,261
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,638
−HK$1,398/mo
Today · 4.125%
HK$47,036
baseline
▲ 0.50% · 4.625%
HK$49,899
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,072/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,240
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,560
−HK$1,340/mo
Today · 4.125%
HK$51,900
baseline
▲ 0.50% · 4.625%
HK$54,636
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,800/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,386 · Scale 2, in force from 26 Feb 2026)