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$24,666
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,433
−HK$780/mo
Today · 4.125%
HK$26,213
baseline
▲ 0.50% · 4.625%
HK$27,808
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,426/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,440
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,176
−HK$747/mo
Today · 4.125%
HK$28,923
baseline
▲ 0.50% · 4.625%
HK$30,448
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,846/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,599
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,520
−HK$935/mo
Today · 4.125%
HK$31,455
baseline
▲ 0.50% · 4.625%
HK$33,369
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,910/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,929
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,812
−HK$896/mo
Today · 4.125%
HK$34,708
baseline
▲ 0.50% · 4.625%
HK$36,537
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,416/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,532
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,606
−HK$1,092/mo
Today · 4.125%
HK$36,698
baseline
▲ 0.50% · 4.625%
HK$38,931
+HK$2,233/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$73,396/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,417
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,447
−HK$1,045/mo
Today · 4.125%
HK$40,492
baseline
▲ 0.50% · 4.625%
HK$42,627
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$80,984/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,398
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,779
−HK$1,404/mo
Today · 4.125%
HK$47,183
baseline
▲ 0.50% · 4.625%
HK$50,054
+HK$2,871/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,366/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,393
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,717
−HK$1,344/mo
Today · 4.125%
HK$52,061
baseline
▲ 0.50% · 4.625%
HK$54,806
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,122/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,642 · Scale 2, in force from 26 Feb 2026)