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$24,657
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,424
−HK$780/mo
Today · 4.125%
HK$26,204
baseline
▲ 0.50% · 4.625%
HK$27,798
+HK$1,594/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,408/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,431
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,167
−HK$746/mo
Today · 4.125%
HK$28,913
baseline
▲ 0.50% · 4.625%
HK$30,437
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,826/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,589
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,509
−HK$935/mo
Today · 4.125%
HK$31,444
baseline
▲ 0.50% · 4.625%
HK$33,358
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,888/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,917
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,800
−HK$896/mo
Today · 4.125%
HK$34,696
baseline
▲ 0.50% · 4.625%
HK$36,525
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,392/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,520
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,594
−HK$1,091/mo
Today · 4.125%
HK$36,685
baseline
▲ 0.50% · 4.625%
HK$38,917
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,370/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,404
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,434
−HK$1,044/mo
Today · 4.125%
HK$40,478
baseline
▲ 0.50% · 4.625%
HK$42,612
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,956/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,383
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,764
−HK$1,403/mo
Today · 4.125%
HK$47,167
baseline
▲ 0.50% · 4.625%
HK$50,037
+HK$2,870/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,334/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,376
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,700
−HK$1,344/mo
Today · 4.125%
HK$52,044
baseline
▲ 0.50% · 4.625%
HK$54,787
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,088/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,504 · Scale 2, in force from 26 Feb 2026)