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$24,678
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,446
−HK$780/mo
Today · 4.125%
HK$26,226
baseline
▲ 0.50% · 4.625%
HK$27,822
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,452/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,455
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,191
−HK$747/mo
Today · 4.125%
HK$28,938
baseline
▲ 0.50% · 4.625%
HK$30,463
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,876/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,614
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,535
−HK$936/mo
Today · 4.125%
HK$31,471
baseline
▲ 0.50% · 4.625%
HK$33,386
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,942/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,945
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,829
−HK$896/mo
Today · 4.125%
HK$34,725
baseline
▲ 0.50% · 4.625%
HK$36,556
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,450/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,550
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,625
−HK$1,091/mo
Today · 4.125%
HK$36,716
baseline
▲ 0.50% · 4.625%
HK$38,950
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,432/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,436
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,467
−HK$1,046/mo
Today · 4.125%
HK$40,513
baseline
▲ 0.50% · 4.625%
HK$42,648
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,026/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,421
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,803
−HK$1,404/mo
Today · 4.125%
HK$47,207
baseline
▲ 0.50% · 4.625%
HK$50,079
+HK$2,872/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,414/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,418
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,743
−HK$1,345/mo
Today · 4.125%
HK$52,088
baseline
▲ 0.50% · 4.625%
HK$54,834
+HK$2,746/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,176/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,850 · Scale 2, in force from 26 Feb 2026)