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$24,595
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,360
−HK$777/mo
Today · 4.125%
HK$26,137
baseline
▲ 0.50% · 4.625%
HK$27,727
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,274/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,361
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,095
−HK$744/mo
Today · 4.125%
HK$28,839
baseline
▲ 0.50% · 4.625%
HK$30,360
+HK$1,521/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,678/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,513
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,432
−HK$932/mo
Today · 4.125%
HK$31,364
baseline
▲ 0.50% · 4.625%
HK$33,273
+HK$1,909/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,728/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,833
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,714
−HK$893/mo
Today · 4.125%
HK$34,607
baseline
▲ 0.50% · 4.625%
HK$36,432
+HK$1,825/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,214/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,432
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,503
−HK$1,089/mo
Today · 4.125%
HK$36,592
baseline
▲ 0.50% · 4.625%
HK$38,818
+HK$2,226/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,184/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,306
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,333
−HK$1,042/mo
Today · 4.125%
HK$40,375
baseline
▲ 0.50% · 4.625%
HK$42,503
+HK$2,128/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,750/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,270
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,647
−HK$1,399/mo
Today · 4.125%
HK$47,046
baseline
▲ 0.50% · 4.625%
HK$49,909
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,092/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,250
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,571
−HK$1,340/mo
Today · 4.125%
HK$51,911
baseline
▲ 0.50% · 4.625%
HK$54,647
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,822/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,471 · Scale 2, in force from 26 Feb 2026)