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$24,677
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,445
−HK$780/mo
Today · 4.125%
HK$26,225
baseline
▲ 0.50% · 4.625%
HK$27,821
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,450/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,453
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,190
−HK$747/mo
Today · 4.125%
HK$28,937
baseline
▲ 0.50% · 4.625%
HK$30,462
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,874/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,613
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,534
−HK$936/mo
Today · 4.125%
HK$31,470
baseline
▲ 0.50% · 4.625%
HK$33,385
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,940/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,944
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,828
−HK$896/mo
Today · 4.125%
HK$34,724
baseline
▲ 0.50% · 4.625%
HK$36,554
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,448/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,548
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,623
−HK$1,092/mo
Today · 4.125%
HK$36,715
baseline
▲ 0.50% · 4.625%
HK$38,949
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,430/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,435
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,465
−HK$1,046/mo
Today · 4.125%
HK$40,511
baseline
▲ 0.50% · 4.625%
HK$42,647
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,022/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,419
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,801
−HK$1,404/mo
Today · 4.125%
HK$47,205
baseline
▲ 0.50% · 4.625%
HK$50,077
+HK$2,872/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,410/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,416
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,741
−HK$1,345/mo
Today · 4.125%
HK$52,086
baseline
▲ 0.50% · 4.625%
HK$54,831
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,172/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,832 · Scale 2, in force from 26 Feb 2026)