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$24,651
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,418
−HK$779/mo
Today · 4.125%
HK$26,197
baseline
▲ 0.50% · 4.625%
HK$27,791
+HK$1,594/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,394/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,424
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,160
−HK$746/mo
Today · 4.125%
HK$28,906
baseline
▲ 0.50% · 4.625%
HK$30,429
+HK$1,523/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,812/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,581
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,502
−HK$934/mo
Today · 4.125%
HK$31,436
baseline
▲ 0.50% · 4.625%
HK$33,349
+HK$1,913/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$62,872/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,909
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,792
−HK$895/mo
Today · 4.125%
HK$34,687
baseline
▲ 0.50% · 4.625%
HK$36,515
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$69,374/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,512
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,585
−HK$1,091/mo
Today · 4.125%
HK$36,676
baseline
▲ 0.50% · 4.625%
HK$38,907
+HK$2,231/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,352/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,394
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,424
−HK$1,044/mo
Today · 4.125%
HK$40,468
baseline
▲ 0.50% · 4.625%
HK$42,601
+HK$2,133/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,936/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,372
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,752
−HK$1,403/mo
Today · 4.125%
HK$47,155
baseline
▲ 0.50% · 4.625%
HK$50,024
+HK$2,869/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,310/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,363
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,687
−HK$1,343/mo
Today · 4.125%
HK$52,030
baseline
▲ 0.50% · 4.625%
HK$54,773
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,060/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,402 · Scale 2, in force from 26 Feb 2026)