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$24,707
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,476
−HK$781/mo
Today · 4.125%
HK$26,257
baseline
▲ 0.50% · 4.625%
HK$27,855
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,514/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,487
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,224
−HK$748/mo
Today · 4.125%
HK$28,972
baseline
▲ 0.50% · 4.625%
HK$30,499
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,944/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,649
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,571
−HK$937/mo
Today · 4.125%
HK$31,508
baseline
▲ 0.50% · 4.625%
HK$33,425
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,016/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,984
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,869
−HK$897/mo
Today · 4.125%
HK$34,766
baseline
▲ 0.50% · 4.625%
HK$36,599
+HK$1,833/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,532/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,590
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,666
−HK$1,094/mo
Today · 4.125%
HK$36,760
baseline
▲ 0.50% · 4.625%
HK$38,996
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,520/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,482
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,514
−HK$1,047/mo
Today · 4.125%
HK$40,561
baseline
▲ 0.50% · 4.625%
HK$42,699
+HK$2,138/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,122/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,473
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,857
−HK$1,405/mo
Today · 4.125%
HK$47,262
baseline
▲ 0.50% · 4.625%
HK$50,138
+HK$2,876/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,524/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,476
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,803
−HK$1,346/mo
Today · 4.125%
HK$52,149
baseline
▲ 0.50% · 4.625%
HK$54,898
+HK$2,749/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,298/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,328 · Scale 2, in force from 26 Feb 2026)