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$24,670
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,438
−HK$779/mo
Today · 4.125%
HK$26,217
baseline
▲ 0.50% · 4.625%
HK$27,813
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,434/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,445
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,182
−HK$746/mo
Today · 4.125%
HK$28,928
baseline
▲ 0.50% · 4.625%
HK$30,453
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,856/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,604
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,525
−HK$936/mo
Today · 4.125%
HK$31,461
baseline
▲ 0.50% · 4.625%
HK$33,375
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,922/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,935
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,818
−HK$896/mo
Today · 4.125%
HK$34,714
baseline
▲ 0.50% · 4.625%
HK$36,544
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,428/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,538
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,613
−HK$1,091/mo
Today · 4.125%
HK$36,704
baseline
▲ 0.50% · 4.625%
HK$38,938
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$73,408/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,424
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,454
−HK$1,046/mo
Today · 4.125%
HK$40,500
baseline
▲ 0.50% · 4.625%
HK$42,634
+HK$2,134/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$81,000/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,407
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,788
−HK$1,403/mo
Today · 4.125%
HK$47,191
baseline
▲ 0.50% · 4.625%
HK$50,063
+HK$2,872/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,382/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,402
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,727
−HK$1,344/mo
Today · 4.125%
HK$52,071
baseline
▲ 0.50% · 4.625%
HK$54,816
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,142/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,717 · Scale 2, in force from 26 Feb 2026)