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$24,662
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,429
−HK$779/mo
Today · 4.125%
HK$26,208
baseline
▲ 0.50% · 4.625%
HK$27,803
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,416/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,436
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,172
−HK$746/mo
Today · 4.125%
HK$28,918
baseline
▲ 0.50% · 4.625%
HK$30,443
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,836/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,594
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,515
−HK$935/mo
Today · 4.125%
HK$31,450
baseline
▲ 0.50% · 4.625%
HK$33,364
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,900/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,923
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,806
−HK$896/mo
Today · 4.125%
HK$34,702
baseline
▲ 0.50% · 4.625%
HK$36,531
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,404/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,526
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,600
−HK$1,092/mo
Today · 4.125%
HK$36,692
baseline
▲ 0.50% · 4.625%
HK$38,924
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,384/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,410
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,440
−HK$1,046/mo
Today · 4.125%
HK$40,486
baseline
▲ 0.50% · 4.625%
HK$42,620
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,972/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,391
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,772
−HK$1,403/mo
Today · 4.125%
HK$47,175
baseline
▲ 0.50% · 4.625%
HK$50,045
+HK$2,870/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,350/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,385
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,709
−HK$1,344/mo
Today · 4.125%
HK$52,053
baseline
▲ 0.50% · 4.625%
HK$54,797
+HK$2,744/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,106/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,576 · Scale 2, in force from 26 Feb 2026)