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$24,665
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,432
−HK$780/mo
Today · 4.125%
HK$26,212
baseline
▲ 0.50% · 4.625%
HK$27,807
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,424/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,440
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,176
−HK$746/mo
Today · 4.125%
HK$28,922
baseline
▲ 0.50% · 4.625%
HK$30,447
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,844/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,598
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,519
−HK$935/mo
Today · 4.125%
HK$31,454
baseline
▲ 0.50% · 4.625%
HK$33,368
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,908/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,928
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,811
−HK$896/mo
Today · 4.125%
HK$34,707
baseline
▲ 0.50% · 4.625%
HK$36,536
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,414/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,531
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,605
−HK$1,092/mo
Today · 4.125%
HK$36,697
baseline
▲ 0.50% · 4.625%
HK$38,929
+HK$2,232/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$73,394/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,415
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,446
−HK$1,045/mo
Today · 4.125%
HK$40,491
baseline
▲ 0.50% · 4.625%
HK$42,625
+HK$2,134/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$80,982/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,397
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,778
−HK$1,403/mo
Today · 4.125%
HK$47,181
baseline
▲ 0.50% · 4.625%
HK$50,052
+HK$2,871/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,362/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,391
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,716
−HK$1,344/mo
Today · 4.125%
HK$52,060
baseline
▲ 0.50% · 4.625%
HK$54,804
+HK$2,744/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,120/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,630 · Scale 2, in force from 26 Feb 2026)