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$24,669
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,436
−HK$780/mo
Today · 4.125%
HK$26,216
baseline
▲ 0.50% · 4.625%
HK$27,811
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,432/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,444
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,180
−HK$747/mo
Today · 4.125%
HK$28,927
baseline
▲ 0.50% · 4.625%
HK$30,451
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,854/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,603
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,524
−HK$935/mo
Today · 4.125%
HK$31,459
baseline
▲ 0.50% · 4.625%
HK$33,373
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,918/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,933
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,816
−HK$896/mo
Today · 4.125%
HK$34,712
baseline
▲ 0.50% · 4.625%
HK$36,542
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,424/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,536
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,611
−HK$1,091/mo
Today · 4.125%
HK$36,702
baseline
▲ 0.50% · 4.625%
HK$38,935
+HK$2,233/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$73,404/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,422
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,452
−HK$1,045/mo
Today · 4.125%
HK$40,497
baseline
▲ 0.50% · 4.625%
HK$42,632
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$80,994/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,404
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,785
−HK$1,404/mo
Today · 4.125%
HK$47,189
baseline
▲ 0.50% · 4.625%
HK$50,060
+HK$2,871/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,378/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,399
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,724
−HK$1,344/mo
Today · 4.125%
HK$52,068
baseline
▲ 0.50% · 4.625%
HK$54,813
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,136/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,694 · Scale 2, in force from 26 Feb 2026)