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$24,684
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,451
−HK$780/mo
Today · 4.125%
HK$26,231
baseline
▲ 0.50% · 4.625%
HK$27,828
+HK$1,597/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,462/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,460
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,197
−HK$747/mo
Today · 4.125%
HK$28,944
baseline
▲ 0.50% · 4.625%
HK$30,469
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,888/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,620
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,542
−HK$936/mo
Today · 4.125%
HK$31,478
baseline
▲ 0.50% · 4.625%
HK$33,393
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,956/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,952
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,836
−HK$897/mo
Today · 4.125%
HK$34,733
baseline
▲ 0.50% · 4.625%
HK$36,563
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,466/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,557
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,632
−HK$1,092/mo
Today · 4.125%
HK$36,724
baseline
▲ 0.50% · 4.625%
HK$38,959
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,448/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,444
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,475
−HK$1,046/mo
Today · 4.125%
HK$40,521
baseline
▲ 0.50% · 4.625%
HK$42,657
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,042/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,430
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,812
−HK$1,405/mo
Today · 4.125%
HK$47,217
baseline
▲ 0.50% · 4.625%
HK$50,090
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,434/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,428
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,754
−HK$1,345/mo
Today · 4.125%
HK$52,099
baseline
▲ 0.50% · 4.625%
HK$54,845
+HK$2,746/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,198/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,935 · Scale 2, in force from 26 Feb 2026)