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$1,545/mo
▼ 0.25% · 3.875%
HK$25,416
−HK$779/mo
Today · 4.125%
HK$26,195
baseline
▲ 0.50% · 4.625%
HK$27,789
+HK$1,594/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,390/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,422
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,158
−HK$746/mo
Today · 4.125%
HK$28,904
baseline
▲ 0.50% · 4.625%
HK$30,428
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,808/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,580
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,500
−HK$934/mo
Today · 4.125%
HK$31,434
baseline
▲ 0.50% · 4.625%
HK$33,347
+HK$1,913/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$62,868/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,907
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,789
−HK$896/mo
Today · 4.125%
HK$34,685
baseline
▲ 0.50% · 4.625%
HK$36,513
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$69,370/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,509
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,583
−HK$1,090/mo
Today · 4.125%
HK$36,673
baseline
▲ 0.50% · 4.625%
HK$38,905
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,346/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,391
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,421
−HK$1,045/mo
Today · 4.125%
HK$40,466
baseline
▲ 0.50% · 4.625%
HK$42,599
+HK$2,133/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$405,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,369
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,749
−HK$1,403/mo
Today · 4.125%
HK$47,152
baseline
▲ 0.50% · 4.625%
HK$50,021
+HK$2,869/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,304/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,360
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,684
−HK$1,343/mo
Today · 4.125%
HK$52,027
baseline
▲ 0.50% · 4.625%
HK$54,770
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,054/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,376 · Scale 2, in force from 26 Feb 2026)