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$24,725
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,494
−HK$782/mo
Today · 4.125%
HK$26,276
baseline
▲ 0.50% · 4.625%
HK$27,875
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,552/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,507
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,244
−HK$749/mo
Today · 4.125%
HK$28,993
baseline
▲ 0.50% · 4.625%
HK$30,521
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,986/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,670
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,593
−HK$938/mo
Today · 4.125%
HK$31,531
baseline
▲ 0.50% · 4.625%
HK$33,450
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,062/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,008
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,893
−HK$898/mo
Today · 4.125%
HK$34,791
baseline
▲ 0.50% · 4.625%
HK$36,625
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,582/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,615
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,692
−HK$1,094/mo
Today · 4.125%
HK$36,786
baseline
▲ 0.50% · 4.625%
HK$39,025
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,572/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,509
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,542
−HK$1,048/mo
Today · 4.125%
HK$40,590
baseline
▲ 0.50% · 4.625%
HK$42,729
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,180/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,506
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,890
−HK$1,407/mo
Today · 4.125%
HK$47,297
baseline
▲ 0.50% · 4.625%
HK$50,174
+HK$2,877/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,594/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,512
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,840
−HK$1,347/mo
Today · 4.125%
HK$52,187
baseline
▲ 0.50% · 4.625%
HK$54,938
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,374/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,622 · Scale 2, in force from 26 Feb 2026)