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$24,660
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,427
−HK$779/mo
Today · 4.125%
HK$26,206
baseline
▲ 0.50% · 4.625%
HK$27,801
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,412/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,434
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,170
−HK$746/mo
Today · 4.125%
HK$28,916
baseline
▲ 0.50% · 4.625%
HK$30,440
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,832/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,592
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,512
−HK$936/mo
Today · 4.125%
HK$31,448
baseline
▲ 0.50% · 4.625%
HK$33,361
+HK$1,913/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,896/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,921
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,804
−HK$895/mo
Today · 4.125%
HK$34,699
baseline
▲ 0.50% · 4.625%
HK$36,528
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,398/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,524
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,598
−HK$1,091/mo
Today · 4.125%
HK$36,689
baseline
▲ 0.50% · 4.625%
HK$38,921
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,378/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,408
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,438
−HK$1,045/mo
Today · 4.125%
HK$40,483
baseline
▲ 0.50% · 4.625%
HK$42,617
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,966/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,388
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,769
−HK$1,403/mo
Today · 4.125%
HK$47,172
baseline
▲ 0.50% · 4.625%
HK$50,042
+HK$2,870/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,344/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,381
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,706
−HK$1,343/mo
Today · 4.125%
HK$52,049
baseline
▲ 0.50% · 4.625%
HK$54,793
+HK$2,744/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,098/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,547 · Scale 2, in force from 26 Feb 2026)