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$24,672
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,440
−HK$779/mo
Today · 4.125%
HK$26,219
baseline
▲ 0.50% · 4.625%
HK$27,815
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,438/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,448
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,184
−HK$746/mo
Today · 4.125%
HK$28,930
baseline
▲ 0.50% · 4.625%
HK$30,455
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,860/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,607
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,528
−HK$935/mo
Today · 4.125%
HK$31,463
baseline
▲ 0.50% · 4.625%
HK$33,378
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,926/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,937
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,820
−HK$897/mo
Today · 4.125%
HK$34,717
baseline
▲ 0.50% · 4.625%
HK$36,547
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,434/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,541
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,616
−HK$1,091/mo
Today · 4.125%
HK$36,707
baseline
▲ 0.50% · 4.625%
HK$38,941
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$73,414/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,427
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,457
−HK$1,046/mo
Today · 4.125%
HK$40,503
baseline
▲ 0.50% · 4.625%
HK$42,638
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$81,006/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,410
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,791
−HK$1,404/mo
Today · 4.125%
HK$47,195
baseline
▲ 0.50% · 4.625%
HK$50,067
+HK$2,872/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,390/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,406
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,731
−HK$1,344/mo
Today · 4.125%
HK$52,075
baseline
▲ 0.50% · 4.625%
HK$54,820
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,150/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,748 · Scale 2, in force from 26 Feb 2026)