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$24,602
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,368
−HK$777/mo
Today · 4.125%
HK$26,145
baseline
▲ 0.50% · 4.625%
HK$27,736
+HK$1,591/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,290/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,370
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,104
−HK$744/mo
Today · 4.125%
HK$28,848
baseline
▲ 0.50% · 4.625%
HK$30,369
+HK$1,521/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,696/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,523
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,441
−HK$933/mo
Today · 4.125%
HK$31,374
baseline
▲ 0.50% · 4.625%
HK$33,283
+HK$1,909/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$62,748/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,844
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,725
−HK$893/mo
Today · 4.125%
HK$34,618
baseline
▲ 0.50% · 4.625%
HK$36,443
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$69,236/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,443
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,515
−HK$1,088/mo
Today · 4.125%
HK$36,603
baseline
▲ 0.50% · 4.625%
HK$38,830
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,206/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,318
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,345
−HK$1,043/mo
Today · 4.125%
HK$40,388
baseline
▲ 0.50% · 4.625%
HK$42,517
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,776/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,284
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,662
−HK$1,399/mo
Today · 4.125%
HK$47,061
baseline
▲ 0.50% · 4.625%
HK$49,925
+HK$2,864/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,122/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,266
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,587
−HK$1,340/mo
Today · 4.125%
HK$51,927
baseline
▲ 0.50% · 4.625%
HK$54,664
+HK$2,737/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,854/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,597 · Scale 2, in force from 26 Feb 2026)