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$24,659
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,426
−HK$780/mo
Today · 4.125%
HK$26,206
baseline
▲ 0.50% · 4.625%
HK$27,800
+HK$1,594/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,412/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,433
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,169
−HK$746/mo
Today · 4.125%
HK$28,915
baseline
▲ 0.50% · 4.625%
HK$30,440
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,830/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,591
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,512
−HK$935/mo
Today · 4.125%
HK$31,447
baseline
▲ 0.50% · 4.625%
HK$33,360
+HK$1,913/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,894/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,920
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,803
−HK$895/mo
Today · 4.125%
HK$34,698
baseline
▲ 0.50% · 4.625%
HK$36,527
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,396/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,523
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,597
−HK$1,091/mo
Today · 4.125%
HK$36,688
baseline
▲ 0.50% · 4.625%
HK$38,920
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,376/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,407
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,437
−HK$1,045/mo
Today · 4.125%
HK$40,482
baseline
▲ 0.50% · 4.625%
HK$42,615
+HK$2,133/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,964/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,387
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,768
−HK$1,402/mo
Today · 4.125%
HK$47,170
baseline
▲ 0.50% · 4.625%
HK$50,040
+HK$2,870/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,340/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,380
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,704
−HK$1,344/mo
Today · 4.125%
HK$52,048
baseline
▲ 0.50% · 4.625%
HK$54,791
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,096/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,536 · Scale 2, in force from 26 Feb 2026)