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$24,673
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,440
−HK$780/mo
Today · 4.125%
HK$26,220
baseline
▲ 0.50% · 4.625%
HK$27,816
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,440/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,448
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,185
−HK$746/mo
Today · 4.125%
HK$28,931
baseline
▲ 0.50% · 4.625%
HK$30,456
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,862/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,608
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,529
−HK$935/mo
Today · 4.125%
HK$31,464
baseline
▲ 0.50% · 4.625%
HK$33,379
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,928/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,938
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,821
−HK$897/mo
Today · 4.125%
HK$34,718
baseline
▲ 0.50% · 4.625%
HK$36,548
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,436/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,542
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,617
−HK$1,091/mo
Today · 4.125%
HK$36,708
baseline
▲ 0.50% · 4.625%
HK$38,942
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$73,416/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,428
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,458
−HK$1,046/mo
Today · 4.125%
HK$40,504
baseline
▲ 0.50% · 4.625%
HK$42,639
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$81,008/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,411
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,793
−HK$1,403/mo
Today · 4.125%
HK$47,196
baseline
▲ 0.50% · 4.625%
HK$50,068
+HK$2,872/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,392/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,407
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,732
−HK$1,344/mo
Today · 4.125%
HK$52,076
baseline
▲ 0.50% · 4.625%
HK$54,822
+HK$2,746/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,152/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,760 · Scale 2, in force from 26 Feb 2026)