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$24,701
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,470
−HK$780/mo
Today · 4.125%
HK$26,250
baseline
▲ 0.50% · 4.625%
HK$27,848
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,500/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,480
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,217
−HK$748/mo
Today · 4.125%
HK$28,965
baseline
▲ 0.50% · 4.625%
HK$30,491
+HK$1,526/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,930/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,642
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,564
−HK$936/mo
Today · 4.125%
HK$31,500
baseline
▲ 0.50% · 4.625%
HK$33,417
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,000/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,976
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,860
−HK$898/mo
Today · 4.125%
HK$34,758
baseline
▲ 0.50% · 4.625%
HK$36,590
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,516/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,582
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,657
−HK$1,093/mo
Today · 4.125%
HK$36,750
baseline
▲ 0.50% · 4.625%
HK$38,987
+HK$2,237/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,500/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,472
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,504
−HK$1,046/mo
Today · 4.125%
HK$40,550
baseline
▲ 0.50% · 4.625%
HK$42,688
+HK$2,138/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,100/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,462
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,845
−HK$1,405/mo
Today · 4.125%
HK$47,250
baseline
▲ 0.50% · 4.625%
HK$50,126
+HK$2,876/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,500/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,464
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,790
−HK$1,346/mo
Today · 4.125%
HK$52,136
baseline
▲ 0.50% · 4.625%
HK$54,884
+HK$2,748/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,272/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,226 · Scale 2, in force from 26 Feb 2026)