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$24,732
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,501
−HK$782/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,882
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,514
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,252
−HK$749/mo
Today · 4.125%
HK$29,001
baseline
▲ 0.50% · 4.625%
HK$30,529
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,002/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,679
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,602
−HK$938/mo
Today · 4.125%
HK$31,540
baseline
▲ 0.50% · 4.625%
HK$33,459
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,080/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,017
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,903
−HK$898/mo
Today · 4.125%
HK$34,801
baseline
▲ 0.50% · 4.625%
HK$36,635
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,602/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,625
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,702
−HK$1,094/mo
Today · 4.125%
HK$36,796
baseline
▲ 0.50% · 4.625%
HK$39,035
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,592/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,520
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,553
−HK$1,048/mo
Today · 4.125%
HK$40,601
baseline
▲ 0.50% · 4.625%
HK$42,741
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,202/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,518
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,903
−HK$1,406/mo
Today · 4.125%
HK$47,309
baseline
▲ 0.50% · 4.625%
HK$50,188
+HK$2,879/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,618/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,526
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,854
−HK$1,347/mo
Today · 4.125%
HK$52,201
baseline
▲ 0.50% · 4.625%
HK$54,953
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,402/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,733 · Scale 2, in force from 26 Feb 2026)