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$24,654
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,421
−HK$779/mo
Today · 4.125%
HK$26,200
baseline
▲ 0.50% · 4.625%
HK$27,795
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,400/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,428
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,163
−HK$747/mo
Today · 4.125%
HK$28,910
baseline
▲ 0.50% · 4.625%
HK$30,433
+HK$1,523/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,820/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,585
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,506
−HK$935/mo
Today · 4.125%
HK$31,441
baseline
▲ 0.50% · 4.625%
HK$33,354
+HK$1,913/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$62,882/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,913
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,796
−HK$896/mo
Today · 4.125%
HK$34,692
baseline
▲ 0.50% · 4.625%
HK$36,520
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$69,384/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,516
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,590
−HK$1,091/mo
Today · 4.125%
HK$36,681
baseline
▲ 0.50% · 4.625%
HK$38,913
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,362/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,399
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,429
−HK$1,044/mo
Today · 4.125%
HK$40,473
baseline
▲ 0.50% · 4.625%
HK$42,607
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,946/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,378
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,758
−HK$1,403/mo
Today · 4.125%
HK$47,161
baseline
▲ 0.50% · 4.625%
HK$50,030
+HK$2,869/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,322/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,370
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,694
−HK$1,343/mo
Today · 4.125%
HK$52,037
baseline
▲ 0.50% · 4.625%
HK$54,780
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,074/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,455 · Scale 2, in force from 26 Feb 2026)