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$24,662
−HK$1,547/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$405,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,437
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,172
−HK$747/mo
Today · 4.125%
HK$28,919
baseline
▲ 0.50% · 4.625%
HK$30,443
+HK$1,524/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$405,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,595
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,515
−HK$936/mo
Today · 4.125%
HK$31,451
baseline
▲ 0.50% · 4.625%
HK$33,364
+HK$1,913/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$405,586 · 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$36,532
+HK$1,829/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$405,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,527
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,601
−HK$1,091/mo
Today · 4.125%
HK$36,692
baseline
▲ 0.50% · 4.625%
HK$38,925
+HK$2,233/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,384/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,411
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,441
−HK$1,046/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$405,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,392
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,773
−HK$1,403/mo
Today · 4.125%
HK$47,176
baseline
▲ 0.50% · 4.625%
HK$50,047
+HK$2,871/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,352/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,386
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,710
−HK$1,344/mo
Today · 4.125%
HK$52,054
baseline
▲ 0.50% · 4.625%
HK$54,798
+HK$2,744/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,108/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,586 · Scale 2, in force from 26 Feb 2026)