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$24,700
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,469
−HK$780/mo
Today · 4.125%
HK$26,249
baseline
▲ 0.50% · 4.625%
HK$27,846
+HK$1,597/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,498/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,479
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,216
−HK$747/mo
Today · 4.125%
HK$28,963
baseline
▲ 0.50% · 4.625%
HK$30,490
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,926/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,640
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,562
−HK$937/mo
Today · 4.125%
HK$31,499
baseline
▲ 0.50% · 4.625%
HK$33,416
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,998/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,975
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,859
−HK$897/mo
Today · 4.125%
HK$34,756
baseline
▲ 0.50% · 4.625%
HK$36,588
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,512/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,580
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,656
−HK$1,093/mo
Today · 4.125%
HK$36,749
baseline
▲ 0.50% · 4.625%
HK$38,985
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,498/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,470
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,502
−HK$1,047/mo
Today · 4.125%
HK$40,549
baseline
▲ 0.50% · 4.625%
HK$42,686
+HK$2,137/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,098/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,460
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,843
−HK$1,406/mo
Today · 4.125%
HK$47,249
baseline
▲ 0.50% · 4.625%
HK$50,124
+HK$2,875/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,498/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,462
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,788
−HK$1,346/mo
Today · 4.125%
HK$52,134
baseline
▲ 0.50% · 4.625%
HK$54,882
+HK$2,748/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,268/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,209 · Scale 2, in force from 26 Feb 2026)