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$24,681
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,449
−HK$780/mo
Today · 4.125%
HK$26,229
baseline
▲ 0.50% · 4.625%
HK$27,825
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,458/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,457
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,194
−HK$747/mo
Today · 4.125%
HK$28,941
baseline
▲ 0.50% · 4.625%
HK$30,466
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,882/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,617
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,538
−HK$936/mo
Today · 4.125%
HK$31,474
baseline
▲ 0.50% · 4.625%
HK$33,389
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,948/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,949
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,832
−HK$897/mo
Today · 4.125%
HK$34,729
baseline
▲ 0.50% · 4.625%
HK$36,559
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,458/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,553
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,628
−HK$1,092/mo
Today · 4.125%
HK$36,720
baseline
▲ 0.50% · 4.625%
HK$38,954
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,440/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,440
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,471
−HK$1,046/mo
Today · 4.125%
HK$40,517
baseline
▲ 0.50% · 4.625%
HK$42,653
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,034/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,426
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,808
−HK$1,403/mo
Today · 4.125%
HK$47,211
baseline
▲ 0.50% · 4.625%
HK$50,084
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,422/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,423
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,749
−HK$1,344/mo
Today · 4.125%
HK$52,093
baseline
▲ 0.50% · 4.625%
HK$54,839
+HK$2,746/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,186/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,891 · Scale 2, in force from 26 Feb 2026)