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$24,669
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,437
−HK$779/mo
Today · 4.125%
HK$26,216
baseline
▲ 0.50% · 4.625%
HK$27,812
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,432/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,445
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,181
−HK$746/mo
Today · 4.125%
HK$28,927
baseline
▲ 0.50% · 4.625%
HK$30,452
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,854/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,603
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,524
−HK$936/mo
Today · 4.125%
HK$31,460
baseline
▲ 0.50% · 4.625%
HK$33,374
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,920/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,933
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,817
−HK$896/mo
Today · 4.125%
HK$34,713
baseline
▲ 0.50% · 4.625%
HK$36,542
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,426/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,537
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,612
−HK$1,091/mo
Today · 4.125%
HK$36,703
baseline
▲ 0.50% · 4.625%
HK$38,936
+HK$2,233/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$73,406/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,422
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,453
−HK$1,045/mo
Today · 4.125%
HK$40,498
baseline
▲ 0.50% · 4.625%
HK$42,633
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$80,996/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,405
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,786
−HK$1,404/mo
Today · 4.125%
HK$47,190
baseline
▲ 0.50% · 4.625%
HK$50,061
+HK$2,871/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,380/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,400
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,725
−HK$1,344/mo
Today · 4.125%
HK$52,069
baseline
▲ 0.50% · 4.625%
HK$54,814
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,138/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,702 · Scale 2, in force from 26 Feb 2026)