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$24,652
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,419
−HK$779/mo
Today · 4.125%
HK$26,198
baseline
▲ 0.50% · 4.625%
HK$27,792
+HK$1,594/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,396/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,425
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,160
−HK$747/mo
Today · 4.125%
HK$28,907
baseline
▲ 0.50% · 4.625%
HK$30,430
+HK$1,523/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,814/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,582
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,502
−HK$935/mo
Today · 4.125%
HK$31,437
baseline
▲ 0.50% · 4.625%
HK$33,350
+HK$1,913/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$62,874/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,910
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,793
−HK$895/mo
Today · 4.125%
HK$34,688
baseline
▲ 0.50% · 4.625%
HK$36,516
+HK$1,828/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$69,376/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,513
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,586
−HK$1,091/mo
Today · 4.125%
HK$36,677
baseline
▲ 0.50% · 4.625%
HK$38,908
+HK$2,231/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,354/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,395
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,425
−HK$1,044/mo
Today · 4.125%
HK$40,469
baseline
▲ 0.50% · 4.625%
HK$42,602
+HK$2,133/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,938/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,373
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,754
−HK$1,402/mo
Today · 4.125%
HK$47,156
baseline
▲ 0.50% · 4.625%
HK$50,025
+HK$2,869/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,312/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,365
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,689
−HK$1,343/mo
Today · 4.125%
HK$52,032
baseline
▲ 0.50% · 4.625%
HK$54,775
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,064/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,413 · Scale 2, in force from 26 Feb 2026)