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$24,656
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,423
−HK$779/mo
Today · 4.125%
HK$26,202
baseline
▲ 0.50% · 4.625%
HK$27,796
+HK$1,594/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,404/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,429
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,165
−HK$746/mo
Today · 4.125%
HK$28,911
baseline
▲ 0.50% · 4.625%
HK$30,435
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,822/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,587
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,507
−HK$935/mo
Today · 4.125%
HK$31,442
baseline
▲ 0.50% · 4.625%
HK$33,355
+HK$1,913/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,884/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,915
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,798
−HK$895/mo
Today · 4.125%
HK$34,693
baseline
▲ 0.50% · 4.625%
HK$36,522
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,386/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,518
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,592
−HK$1,091/mo
Today · 4.125%
HK$36,683
baseline
▲ 0.50% · 4.625%
HK$38,915
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,366/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,401
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,431
−HK$1,045/mo
Today · 4.125%
HK$40,476
baseline
▲ 0.50% · 4.625%
HK$42,609
+HK$2,133/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,952/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,380
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,761
−HK$1,402/mo
Today · 4.125%
HK$47,163
baseline
▲ 0.50% · 4.625%
HK$50,033
+HK$2,870/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,326/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,373
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,697
−HK$1,343/mo
Today · 4.125%
HK$52,040
baseline
▲ 0.50% · 4.625%
HK$54,783
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,080/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,476 · Scale 2, in force from 26 Feb 2026)