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$24,708
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,477
−HK$781/mo
Today · 4.125%
HK$26,258
baseline
▲ 0.50% · 4.625%
HK$27,856
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,516/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,488
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,225
−HK$748/mo
Today · 4.125%
HK$28,973
baseline
▲ 0.50% · 4.625%
HK$30,500
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,946/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,650
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,572
−HK$937/mo
Today · 4.125%
HK$31,509
baseline
▲ 0.50% · 4.625%
HK$33,427
+HK$1,918/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,018/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,985
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,870
−HK$898/mo
Today · 4.125%
HK$34,768
baseline
▲ 0.50% · 4.625%
HK$36,600
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,536/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,592
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,668
−HK$1,093/mo
Today · 4.125%
HK$36,761
baseline
▲ 0.50% · 4.625%
HK$38,998
+HK$2,237/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,522/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,483
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,515
−HK$1,047/mo
Today · 4.125%
HK$40,562
baseline
▲ 0.50% · 4.625%
HK$42,700
+HK$2,138/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,124/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,475
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,859
−HK$1,405/mo
Today · 4.125%
HK$47,264
baseline
▲ 0.50% · 4.625%
HK$50,140
+HK$2,876/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,528/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,478
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,805
−HK$1,346/mo
Today · 4.125%
HK$52,151
baseline
▲ 0.50% · 4.625%
HK$54,900
+HK$2,749/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,302/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,343 · Scale 2, in force from 26 Feb 2026)