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$24,685
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,453
−HK$780/mo
Today · 4.125%
HK$26,233
baseline
▲ 0.50% · 4.625%
HK$27,829
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,466/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,462
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,198
−HK$747/mo
Today · 4.125%
HK$28,945
baseline
▲ 0.50% · 4.625%
HK$30,471
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,890/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,622
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,543
−HK$936/mo
Today · 4.125%
HK$31,479
baseline
▲ 0.50% · 4.625%
HK$33,395
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,958/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,954
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,838
−HK$896/mo
Today · 4.125%
HK$34,734
baseline
▲ 0.50% · 4.625%
HK$36,565
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,468/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,559
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,634
−HK$1,092/mo
Today · 4.125%
HK$36,726
baseline
▲ 0.50% · 4.625%
HK$38,960
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,452/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,446
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,477
−HK$1,046/mo
Today · 4.125%
HK$40,523
baseline
▲ 0.50% · 4.625%
HK$42,659
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,046/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,433
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,815
−HK$1,404/mo
Today · 4.125%
HK$47,219
baseline
▲ 0.50% · 4.625%
HK$50,092
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,438/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,431
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,757
−HK$1,344/mo
Today · 4.125%
HK$52,101
baseline
▲ 0.50% · 4.625%
HK$54,848
+HK$2,747/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,202/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,954 · Scale 2, in force from 26 Feb 2026)