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$24,579
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,344
−HK$777/mo
Today · 4.125%
HK$26,121
baseline
▲ 0.50% · 4.625%
HK$27,710
+HK$1,589/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,242/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,344
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,077
−HK$744/mo
Today · 4.125%
HK$28,821
baseline
▲ 0.50% · 4.625%
HK$30,341
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,642/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,495
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,412
−HK$933/mo
Today · 4.125%
HK$31,345
baseline
▲ 0.50% · 4.625%
HK$33,252
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,690/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,813
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,693
−HK$893/mo
Today · 4.125%
HK$34,586
baseline
▲ 0.50% · 4.625%
HK$36,409
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,172/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,411
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,481
−HK$1,088/mo
Today · 4.125%
HK$36,569
baseline
▲ 0.50% · 4.625%
HK$38,794
+HK$2,225/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,138/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,282
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,308
−HK$1,042/mo
Today · 4.125%
HK$40,350
baseline
▲ 0.50% · 4.625%
HK$42,477
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,700/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,243
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,619
−HK$1,398/mo
Today · 4.125%
HK$47,017
baseline
▲ 0.50% · 4.625%
HK$49,878
+HK$2,861/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,034/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,219
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,539
−HK$1,340/mo
Today · 4.125%
HK$51,879
baseline
▲ 0.50% · 4.625%
HK$54,613
+HK$2,734/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,758/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,218 · Scale 2, in force from 26 Feb 2026)