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$24,671
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,438
−HK$780/mo
Today · 4.125%
HK$26,218
baseline
▲ 0.50% · 4.625%
HK$27,813
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,436/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,446
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,182
−HK$747/mo
Today · 4.125%
HK$28,929
baseline
▲ 0.50% · 4.625%
HK$30,454
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,858/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,605
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,526
−HK$936/mo
Today · 4.125%
HK$31,462
baseline
▲ 0.50% · 4.625%
HK$33,376
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,924/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,936
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,819
−HK$896/mo
Today · 4.125%
HK$34,715
baseline
▲ 0.50% · 4.625%
HK$36,545
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,430/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,539
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,614
−HK$1,091/mo
Today · 4.125%
HK$36,705
baseline
▲ 0.50% · 4.625%
HK$38,939
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$73,410/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,425
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,455
−HK$1,046/mo
Today · 4.125%
HK$40,501
baseline
▲ 0.50% · 4.625%
HK$42,636
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$81,002/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,408
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,789
−HK$1,404/mo
Today · 4.125%
HK$47,193
baseline
▲ 0.50% · 4.625%
HK$50,064
+HK$2,871/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,386/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,403
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,728
−HK$1,344/mo
Today · 4.125%
HK$52,072
baseline
▲ 0.50% · 4.625%
HK$54,817
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,144/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,729 · Scale 2, in force from 26 Feb 2026)