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$24,680
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,448
−HK$780/mo
Today · 4.125%
HK$26,228
baseline
▲ 0.50% · 4.625%
HK$27,824
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,456/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,456
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,193
−HK$747/mo
Today · 4.125%
HK$28,940
baseline
▲ 0.50% · 4.625%
HK$30,465
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,880/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,616
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,537
−HK$936/mo
Today · 4.125%
HK$31,473
baseline
▲ 0.50% · 4.625%
HK$33,388
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,946/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,948
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,831
−HK$897/mo
Today · 4.125%
HK$34,728
baseline
▲ 0.50% · 4.625%
HK$36,558
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,456/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,552
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,627
−HK$1,092/mo
Today · 4.125%
HK$36,719
baseline
▲ 0.50% · 4.625%
HK$38,953
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,438/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,439
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,470
−HK$1,046/mo
Today · 4.125%
HK$40,516
baseline
▲ 0.50% · 4.625%
HK$42,651
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,032/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,424
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,806
−HK$1,404/mo
Today · 4.125%
HK$47,210
baseline
▲ 0.50% · 4.625%
HK$50,083
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,420/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,421
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,747
−HK$1,345/mo
Today · 4.125%
HK$52,092
baseline
▲ 0.50% · 4.625%
HK$54,837
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,184/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,877 · Scale 2, in force from 26 Feb 2026)