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$24,663
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,430
−HK$779/mo
Today · 4.125%
HK$26,209
baseline
▲ 0.50% · 4.625%
HK$27,804
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,418/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,437
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,173
−HK$746/mo
Today · 4.125%
HK$28,919
baseline
▲ 0.50% · 4.625%
HK$30,444
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,838/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,595
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,516
−HK$935/mo
Today · 4.125%
HK$31,451
baseline
▲ 0.50% · 4.625%
HK$33,365
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,902/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,924
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,807
−HK$896/mo
Today · 4.125%
HK$34,703
baseline
▲ 0.50% · 4.625%
HK$36,533
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,406/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,528
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,602
−HK$1,091/mo
Today · 4.125%
HK$36,693
baseline
▲ 0.50% · 4.625%
HK$38,926
+HK$2,233/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,386/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,412
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,442
−HK$1,045/mo
Today · 4.125%
HK$40,487
baseline
▲ 0.50% · 4.625%
HK$42,621
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,974/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,393
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,774
−HK$1,403/mo
Today · 4.125%
HK$47,177
baseline
▲ 0.50% · 4.625%
HK$50,047
+HK$2,870/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,354/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,387
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,711
−HK$1,344/mo
Today · 4.125%
HK$52,055
baseline
▲ 0.50% · 4.625%
HK$54,799
+HK$2,744/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,110/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,592 · Scale 2, in force from 26 Feb 2026)