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$24,655
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,422
−HK$779/mo
Today · 4.125%
HK$26,201
baseline
▲ 0.50% · 4.625%
HK$27,795
+HK$1,594/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,402/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,428
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,164
−HK$746/mo
Today · 4.125%
HK$28,910
baseline
▲ 0.50% · 4.625%
HK$30,434
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,820/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,586
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,506
−HK$935/mo
Today · 4.125%
HK$31,441
baseline
▲ 0.50% · 4.625%
HK$33,354
+HK$1,913/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$62,882/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,914
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,797
−HK$895/mo
Today · 4.125%
HK$34,692
baseline
▲ 0.50% · 4.625%
HK$36,521
+HK$1,829/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$69,384/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,517
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,591
−HK$1,091/mo
Today · 4.125%
HK$36,682
baseline
▲ 0.50% · 4.625%
HK$38,914
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,364/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,400
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,430
−HK$1,044/mo
Today · 4.125%
HK$40,474
baseline
▲ 0.50% · 4.625%
HK$42,608
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,948/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,379
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,760
−HK$1,402/mo
Today · 4.125%
HK$47,162
baseline
▲ 0.50% · 4.625%
HK$50,032
+HK$2,870/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,324/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,371
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,695
−HK$1,344/mo
Today · 4.125%
HK$52,039
baseline
▲ 0.50% · 4.625%
HK$54,782
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,078/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,465 · Scale 2, in force from 26 Feb 2026)