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$24,664
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,432
−HK$779/mo
Today · 4.125%
HK$26,211
baseline
▲ 0.50% · 4.625%
HK$27,806
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,422/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,439
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,175
−HK$746/mo
Today · 4.125%
HK$28,921
baseline
▲ 0.50% · 4.625%
HK$30,446
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,842/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,597
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,518
−HK$935/mo
Today · 4.125%
HK$31,453
baseline
▲ 0.50% · 4.625%
HK$33,367
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,906/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,927
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,810
−HK$896/mo
Today · 4.125%
HK$34,706
baseline
▲ 0.50% · 4.625%
HK$36,535
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,412/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,530
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,604
−HK$1,092/mo
Today · 4.125%
HK$36,696
baseline
▲ 0.50% · 4.625%
HK$38,928
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,392/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,415
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,445
−HK$1,045/mo
Today · 4.125%
HK$40,490
baseline
▲ 0.50% · 4.625%
HK$42,624
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,980/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,396
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,777
−HK$1,403/mo
Today · 4.125%
HK$47,180
baseline
▲ 0.50% · 4.625%
HK$50,051
+HK$2,871/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,360/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,390
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,715
−HK$1,344/mo
Today · 4.125%
HK$52,059
baseline
▲ 0.50% · 4.625%
HK$54,803
+HK$2,744/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,118/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,620 · Scale 2, in force from 26 Feb 2026)