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$24,593
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,358
−HK$777/mo
Today · 4.125%
HK$26,135
baseline
▲ 0.50% · 4.625%
HK$27,725
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,270/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,359
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,093
−HK$745/mo
Today · 4.125%
HK$28,838
baseline
▲ 0.50% · 4.625%
HK$30,358
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,676/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,511
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,429
−HK$933/mo
Today · 4.125%
HK$31,362
baseline
▲ 0.50% · 4.625%
HK$33,270
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,724/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,831
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,712
−HK$893/mo
Today · 4.125%
HK$34,605
baseline
▲ 0.50% · 4.625%
HK$36,429
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,210/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,430
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,501
−HK$1,088/mo
Today · 4.125%
HK$36,589
baseline
▲ 0.50% · 4.625%
HK$38,816
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,178/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,303
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,330
−HK$1,043/mo
Today · 4.125%
HK$40,373
baseline
▲ 0.50% · 4.625%
HK$42,501
+HK$2,128/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,746/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,267
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,644
−HK$1,399/mo
Today · 4.125%
HK$47,043
baseline
▲ 0.50% · 4.625%
HK$49,906
+HK$2,863/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,086/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,247
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,568
−HK$1,340/mo
Today · 4.125%
HK$51,908
baseline
▲ 0.50% · 4.625%
HK$54,644
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,816/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,444 · Scale 2, in force from 26 Feb 2026)