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$24,680
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,447
−HK$780/mo
Today · 4.125%
HK$26,227
baseline
▲ 0.50% · 4.625%
HK$27,823
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,454/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,456
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,192
−HK$747/mo
Today · 4.125%
HK$28,939
baseline
▲ 0.50% · 4.625%
HK$30,465
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,878/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,616
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,537
−HK$936/mo
Today · 4.125%
HK$31,473
baseline
▲ 0.50% · 4.625%
HK$33,388
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,946/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,947
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,831
−HK$896/mo
Today · 4.125%
HK$34,727
baseline
▲ 0.50% · 4.625%
HK$36,558
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,454/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,552
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,626
−HK$1,092/mo
Today · 4.125%
HK$36,718
baseline
▲ 0.50% · 4.625%
HK$38,953
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,436/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,438
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,469
−HK$1,046/mo
Today · 4.125%
HK$40,515
baseline
▲ 0.50% · 4.625%
HK$42,651
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,030/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,424
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,805
−HK$1,404/mo
Today · 4.125%
HK$47,209
baseline
▲ 0.50% · 4.625%
HK$50,082
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,418/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,421
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,746
−HK$1,345/mo
Today · 4.125%
HK$52,091
baseline
▲ 0.50% · 4.625%
HK$54,837
+HK$2,746/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,182/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,872 · Scale 2, in force from 26 Feb 2026)