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$24,719
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,488
−HK$781/mo
Today · 4.125%
HK$26,269
baseline
▲ 0.50% · 4.625%
HK$27,867
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,538/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,499
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,237
−HK$748/mo
Today · 4.125%
HK$28,985
baseline
▲ 0.50% · 4.625%
HK$30,513
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,970/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,663
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,585
−HK$938/mo
Today · 4.125%
HK$31,523
baseline
▲ 0.50% · 4.625%
HK$33,441
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$63,046/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,999
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,884
−HK$898/mo
Today · 4.125%
HK$34,782
baseline
▲ 0.50% · 4.625%
HK$36,616
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$69,564/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,606
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,683
−HK$1,093/mo
Today · 4.125%
HK$36,776
baseline
▲ 0.50% · 4.625%
HK$39,014
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,552/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,499
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,532
−HK$1,047/mo
Today · 4.125%
HK$40,579
baseline
▲ 0.50% · 4.625%
HK$42,718
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,158/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,494
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,878
−HK$1,406/mo
Today · 4.125%
HK$47,284
baseline
▲ 0.50% · 4.625%
HK$50,161
+HK$2,877/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,568/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,499
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,826
−HK$1,347/mo
Today · 4.125%
HK$52,173
baseline
▲ 0.50% · 4.625%
HK$54,923
+HK$2,750/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,346/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,514 · Scale 2, in force from 26 Feb 2026)