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$24,659
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,426
−HK$779/mo
Today · 4.125%
HK$26,205
baseline
▲ 0.50% · 4.625%
HK$27,800
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,410/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,433
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,169
−HK$746/mo
Today · 4.125%
HK$28,915
baseline
▲ 0.50% · 4.625%
HK$30,439
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,830/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,591
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,511
−HK$935/mo
Today · 4.125%
HK$31,446
baseline
▲ 0.50% · 4.625%
HK$33,360
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,892/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,919
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,802
−HK$896/mo
Today · 4.125%
HK$34,698
baseline
▲ 0.50% · 4.625%
HK$36,527
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,396/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,523
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,596
−HK$1,091/mo
Today · 4.125%
HK$36,687
baseline
▲ 0.50% · 4.625%
HK$38,920
+HK$2,233/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,374/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,406
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,436
−HK$1,045/mo
Today · 4.125%
HK$40,481
baseline
▲ 0.50% · 4.625%
HK$42,615
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,962/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,386
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,767
−HK$1,402/mo
Today · 4.125%
HK$47,169
baseline
▲ 0.50% · 4.625%
HK$50,040
+HK$2,871/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,338/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,379
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,703
−HK$1,344/mo
Today · 4.125%
HK$52,047
baseline
▲ 0.50% · 4.625%
HK$54,790
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,094/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,529 · Scale 2, in force from 26 Feb 2026)