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$24,689
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,457
−HK$781/mo
Today · 4.125%
HK$26,238
baseline
▲ 0.50% · 4.625%
HK$27,834
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,476/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,467
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,203
−HK$748/mo
Today · 4.125%
HK$28,951
baseline
▲ 0.50% · 4.625%
HK$30,477
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,902/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,627
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,549
−HK$936/mo
Today · 4.125%
HK$31,485
baseline
▲ 0.50% · 4.625%
HK$33,401
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,970/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,960
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,844
−HK$897/mo
Today · 4.125%
HK$34,741
baseline
▲ 0.50% · 4.625%
HK$36,572
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,482/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,565
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,640
−HK$1,093/mo
Today · 4.125%
HK$36,733
baseline
▲ 0.50% · 4.625%
HK$38,968
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,466/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,453
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,485
−HK$1,046/mo
Today · 4.125%
HK$40,531
baseline
▲ 0.50% · 4.625%
HK$42,667
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,062/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,441
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,823
−HK$1,405/mo
Today · 4.125%
HK$47,228
baseline
▲ 0.50% · 4.625%
HK$50,101
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,456/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,440
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,766
−HK$1,345/mo
Today · 4.125%
HK$52,111
baseline
▲ 0.50% · 4.625%
HK$54,858
+HK$2,747/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,222/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,030 · Scale 2, in force from 26 Feb 2026)