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$24,683
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,451
−HK$780/mo
Today · 4.125%
HK$26,231
baseline
▲ 0.50% · 4.625%
HK$27,827
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,462/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,460
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,196
−HK$747/mo
Today · 4.125%
HK$28,943
baseline
▲ 0.50% · 4.625%
HK$30,469
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,886/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,620
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,541
−HK$936/mo
Today · 4.125%
HK$31,477
baseline
▲ 0.50% · 4.625%
HK$33,392
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,954/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,952
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,835
−HK$897/mo
Today · 4.125%
HK$34,732
baseline
▲ 0.50% · 4.625%
HK$36,563
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,464/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,556
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,631
−HK$1,092/mo
Today · 4.125%
HK$36,723
baseline
▲ 0.50% · 4.625%
HK$38,958
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,446/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,443
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,474
−HK$1,046/mo
Today · 4.125%
HK$40,520
baseline
▲ 0.50% · 4.625%
HK$42,656
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,040/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,429
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,811
−HK$1,405/mo
Today · 4.125%
HK$47,216
baseline
▲ 0.50% · 4.625%
HK$50,088
+HK$2,872/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,432/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,427
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,753
−HK$1,345/mo
Today · 4.125%
HK$52,098
baseline
▲ 0.50% · 4.625%
HK$54,844
+HK$2,746/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,196/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,925 · Scale 2, in force from 26 Feb 2026)