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$24,676
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,444
−HK$780/mo
Today · 4.125%
HK$26,224
baseline
▲ 0.50% · 4.625%
HK$27,819
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,448/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,452
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,189
−HK$746/mo
Today · 4.125%
HK$28,935
baseline
▲ 0.50% · 4.625%
HK$30,461
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,870/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,612
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,533
−HK$936/mo
Today · 4.125%
HK$31,469
baseline
▲ 0.50% · 4.625%
HK$33,383
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,938/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,943
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,826
−HK$897/mo
Today · 4.125%
HK$34,723
baseline
▲ 0.50% · 4.625%
HK$36,553
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,446/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,547
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,622
−HK$1,091/mo
Today · 4.125%
HK$36,713
baseline
▲ 0.50% · 4.625%
HK$38,947
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,426/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,433
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,464
−HK$1,046/mo
Today · 4.125%
HK$40,510
baseline
▲ 0.50% · 4.625%
HK$42,645
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,020/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,418
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,799
−HK$1,404/mo
Today · 4.125%
HK$47,203
baseline
▲ 0.50% · 4.625%
HK$50,075
+HK$2,872/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,406/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,414
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,739
−HK$1,345/mo
Today · 4.125%
HK$52,084
baseline
▲ 0.50% · 4.625%
HK$54,829
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,168/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,817 · Scale 2, in force from 26 Feb 2026)