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$24,650
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,417
−HK$779/mo
Today · 4.125%
HK$26,196
baseline
▲ 0.50% · 4.625%
HK$27,790
+HK$1,594/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,392/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,423
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,159
−HK$746/mo
Today · 4.125%
HK$28,905
baseline
▲ 0.50% · 4.625%
HK$30,428
+HK$1,523/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,810/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,580
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,500
−HK$935/mo
Today · 4.125%
HK$31,435
baseline
▲ 0.50% · 4.625%
HK$33,348
+HK$1,913/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$62,870/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,908
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,790
−HK$896/mo
Today · 4.125%
HK$34,686
baseline
▲ 0.50% · 4.625%
HK$36,514
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$69,372/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,510
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,584
−HK$1,090/mo
Today · 4.125%
HK$36,674
baseline
▲ 0.50% · 4.625%
HK$38,906
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,348/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,392
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,422
−HK$1,044/mo
Today · 4.125%
HK$40,466
baseline
▲ 0.50% · 4.625%
HK$42,600
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,932/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,370
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,750
−HK$1,403/mo
Today · 4.125%
HK$47,153
baseline
▲ 0.50% · 4.625%
HK$50,022
+HK$2,869/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,306/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,361
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,685
−HK$1,343/mo
Today · 4.125%
HK$52,028
baseline
▲ 0.50% · 4.625%
HK$54,771
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,056/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,385 · Scale 2, in force from 26 Feb 2026)