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$24,682
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,449
−HK$781/mo
Today · 4.125%
HK$26,230
baseline
▲ 0.50% · 4.625%
HK$27,826
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,460/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,458
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,195
−HK$747/mo
Today · 4.125%
HK$28,942
baseline
▲ 0.50% · 4.625%
HK$30,467
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,884/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,618
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,539
−HK$936/mo
Today · 4.125%
HK$31,475
baseline
▲ 0.50% · 4.625%
HK$33,391
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,950/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,950
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,834
−HK$896/mo
Today · 4.125%
HK$34,730
baseline
▲ 0.50% · 4.625%
HK$36,561
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,460/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,554
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,629
−HK$1,092/mo
Today · 4.125%
HK$36,721
baseline
▲ 0.50% · 4.625%
HK$38,956
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,442/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,441
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,472
−HK$1,046/mo
Today · 4.125%
HK$40,518
baseline
▲ 0.50% · 4.625%
HK$42,654
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,036/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,427
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,809
−HK$1,404/mo
Today · 4.125%
HK$47,213
baseline
▲ 0.50% · 4.625%
HK$50,086
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,426/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,425
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,750
−HK$1,345/mo
Today · 4.125%
HK$52,095
baseline
▲ 0.50% · 4.625%
HK$54,841
+HK$2,746/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,190/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,905 · Scale 2, in force from 26 Feb 2026)