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$24,600
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,366
−HK$777/mo
Today · 4.125%
HK$26,143
baseline
▲ 0.50% · 4.625%
HK$27,734
+HK$1,591/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,286/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,368
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,102
−HK$744/mo
Today · 4.125%
HK$28,846
baseline
▲ 0.50% · 4.625%
HK$30,367
+HK$1,521/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,692/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,521
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,439
−HK$933/mo
Today · 4.125%
HK$31,372
baseline
▲ 0.50% · 4.625%
HK$33,281
+HK$1,909/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$62,744/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,841
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,722
−HK$894/mo
Today · 4.125%
HK$34,616
baseline
▲ 0.50% · 4.625%
HK$36,440
+HK$1,824/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$69,232/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,441
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,512
−HK$1,088/mo
Today · 4.125%
HK$36,600
baseline
▲ 0.50% · 4.625%
HK$38,827
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,200/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,315
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,343
−HK$1,042/mo
Today · 4.125%
HK$40,385
baseline
▲ 0.50% · 4.625%
HK$42,514
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,770/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,281
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,658
−HK$1,400/mo
Today · 4.125%
HK$47,058
baseline
▲ 0.50% · 4.625%
HK$49,921
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,116/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,262
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,583
−HK$1,341/mo
Today · 4.125%
HK$51,924
baseline
▲ 0.50% · 4.625%
HK$54,660
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,848/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,568 · Scale 2, in force from 26 Feb 2026)