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$25,365
−HK$778/mo
Today · 4.125%
HK$26,143
baseline
▲ 0.50% · 4.625%
HK$27,733
+HK$1,590/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$404,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,367
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,101
−HK$745/mo
Today · 4.125%
HK$28,846
baseline
▲ 0.50% · 4.625%
HK$30,366
+HK$1,520/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$404,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,520
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,438
−HK$933/mo
Today · 4.125%
HK$31,371
baseline
▲ 0.50% · 4.625%
HK$33,280
+HK$1,909/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$62,742/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,841
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,721
−HK$894/mo
Today · 4.125%
HK$34,615
baseline
▲ 0.50% · 4.625%
HK$36,439
+HK$1,824/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$69,230/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,440
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,511
−HK$1,089/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$404,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,314
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,342
−HK$1,042/mo
Today · 4.125%
HK$40,384
baseline
▲ 0.50% · 4.625%
HK$42,513
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,768/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,280
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,657
−HK$1,400/mo
Today · 4.125%
HK$47,057
baseline
▲ 0.50% · 4.625%
HK$49,920
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,114/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,261
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,582
−HK$1,340/mo
Today · 4.125%
HK$51,922
baseline
▲ 0.50% · 4.625%
HK$54,659
+HK$2,737/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,844/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,559 · Scale 2, in force from 26 Feb 2026)