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$24,686
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,454
−HK$780/mo
Today · 4.125%
HK$26,234
baseline
▲ 0.50% · 4.625%
HK$27,830
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,468/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,463
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,199
−HK$748/mo
Today · 4.125%
HK$28,947
baseline
▲ 0.50% · 4.625%
HK$30,472
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,894/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,623
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,545
−HK$936/mo
Today · 4.125%
HK$31,481
baseline
▲ 0.50% · 4.625%
HK$33,396
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,962/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,955
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,839
−HK$897/mo
Today · 4.125%
HK$34,736
baseline
▲ 0.50% · 4.625%
HK$36,567
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,472/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,560
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,635
−HK$1,092/mo
Today · 4.125%
HK$36,727
baseline
▲ 0.50% · 4.625%
HK$38,962
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,454/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,448
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,479
−HK$1,046/mo
Today · 4.125%
HK$40,525
baseline
▲ 0.50% · 4.625%
HK$42,661
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,050/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,435
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,817
−HK$1,404/mo
Today · 4.125%
HK$47,221
baseline
▲ 0.50% · 4.625%
HK$50,094
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,442/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,433
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,759
−HK$1,345/mo
Today · 4.125%
HK$52,104
baseline
▲ 0.50% · 4.625%
HK$54,850
+HK$2,746/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,208/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,973 · Scale 2, in force from 26 Feb 2026)