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$24,658
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,425
−HK$779/mo
Today · 4.125%
HK$26,204
baseline
▲ 0.50% · 4.625%
HK$27,798
+HK$1,594/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,408/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,431
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,167
−HK$747/mo
Today · 4.125%
HK$28,914
baseline
▲ 0.50% · 4.625%
HK$30,438
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,828/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,589
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,510
−HK$935/mo
Today · 4.125%
HK$31,445
baseline
▲ 0.50% · 4.625%
HK$33,358
+HK$1,913/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,890/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,918
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,801
−HK$895/mo
Today · 4.125%
HK$34,696
baseline
▲ 0.50% · 4.625%
HK$36,525
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,392/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,521
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,595
−HK$1,091/mo
Today · 4.125%
HK$36,686
baseline
▲ 0.50% · 4.625%
HK$38,918
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,372/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,404
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,434
−HK$1,045/mo
Today · 4.125%
HK$40,479
baseline
▲ 0.50% · 4.625%
HK$42,613
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,958/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,384
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,765
−HK$1,402/mo
Today · 4.125%
HK$47,167
baseline
▲ 0.50% · 4.625%
HK$50,037
+HK$2,870/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,334/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,377
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,701
−HK$1,343/mo
Today · 4.125%
HK$52,044
baseline
▲ 0.50% · 4.625%
HK$54,788
+HK$2,744/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,088/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,510 · Scale 2, in force from 26 Feb 2026)