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$24,658
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,425
−HK$779/mo
Today · 4.125%
HK$26,204
baseline
▲ 0.50% · 4.625%
HK$27,799
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,408/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,432
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,168
−HK$746/mo
Today · 4.125%
HK$28,914
baseline
▲ 0.50% · 4.625%
HK$30,438
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,828/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,590
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,510
−HK$935/mo
Today · 4.125%
HK$31,445
baseline
▲ 0.50% · 4.625%
HK$33,359
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,890/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,918
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,801
−HK$896/mo
Today · 4.125%
HK$34,697
baseline
▲ 0.50% · 4.625%
HK$36,526
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,394/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,521
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,595
−HK$1,091/mo
Today · 4.125%
HK$36,686
baseline
▲ 0.50% · 4.625%
HK$38,918
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,372/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,405
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,435
−HK$1,044/mo
Today · 4.125%
HK$40,479
baseline
▲ 0.50% · 4.625%
HK$42,613
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,958/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,385
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,765
−HK$1,403/mo
Today · 4.125%
HK$47,168
baseline
▲ 0.50% · 4.625%
HK$50,038
+HK$2,870/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,336/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,377
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,702
−HK$1,343/mo
Today · 4.125%
HK$52,045
baseline
▲ 0.50% · 4.625%
HK$54,788
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,090/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,515 · Scale 2, in force from 26 Feb 2026)