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$24,661
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,428
−HK$779/mo
Today · 4.125%
HK$26,207
baseline
▲ 0.50% · 4.625%
HK$27,802
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,414/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,435
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,171
−HK$746/mo
Today · 4.125%
HK$28,917
baseline
▲ 0.50% · 4.625%
HK$30,442
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,834/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,593
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,514
−HK$935/mo
Today · 4.125%
HK$31,449
baseline
▲ 0.50% · 4.625%
HK$33,362
+HK$1,913/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,898/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,922
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,805
−HK$896/mo
Today · 4.125%
HK$34,701
baseline
▲ 0.50% · 4.625%
HK$36,530
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,402/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,525
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,599
−HK$1,091/mo
Today · 4.125%
HK$36,690
baseline
▲ 0.50% · 4.625%
HK$38,923
+HK$2,233/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,380/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,409
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,439
−HK$1,045/mo
Today · 4.125%
HK$40,484
baseline
▲ 0.50% · 4.625%
HK$42,618
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,968/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,390
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,771
−HK$1,402/mo
Today · 4.125%
HK$47,173
baseline
▲ 0.50% · 4.625%
HK$50,044
+HK$2,871/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,346/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,383
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,708
−HK$1,343/mo
Today · 4.125%
HK$52,051
baseline
▲ 0.50% · 4.625%
HK$54,795
+HK$2,744/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,102/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,563 · Scale 2, in force from 26 Feb 2026)