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$1,551/mo
▼ 0.25% · 3.875%
HK$25,488
−HK$782/mo
Today · 4.125%
HK$26,270
baseline
▲ 0.50% · 4.625%
HK$27,868
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,540/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,500
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,238
−HK$748/mo
Today · 4.125%
HK$28,986
baseline
▲ 0.50% · 4.625%
HK$30,514
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,972/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,663
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,586
−HK$937/mo
Today · 4.125%
HK$31,523
baseline
▲ 0.50% · 4.625%
HK$33,442
+HK$1,919/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$406,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,000
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,885
−HK$898/mo
Today · 4.125%
HK$34,783
baseline
▲ 0.50% · 4.625%
HK$36,616
+HK$1,833/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$69,566/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,607
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,684
−HK$1,093/mo
Today · 4.125%
HK$36,777
baseline
▲ 0.50% · 4.625%
HK$39,015
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,554/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,500
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,533
−HK$1,047/mo
Today · 4.125%
HK$40,580
baseline
▲ 0.50% · 4.625%
HK$42,719
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,160/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,495
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,879
−HK$1,406/mo
Today · 4.125%
HK$47,285
baseline
▲ 0.50% · 4.625%
HK$50,162
+HK$2,877/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,570/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,500
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,828
−HK$1,347/mo
Today · 4.125%
HK$52,175
baseline
▲ 0.50% · 4.625%
HK$54,925
+HK$2,750/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,350/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,524 · Scale 2, in force from 26 Feb 2026)