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$24,694
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,462
−HK$781/mo
Today · 4.125%
HK$26,243
baseline
▲ 0.50% · 4.625%
HK$27,839
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,486/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,472
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,209
−HK$747/mo
Today · 4.125%
HK$28,956
baseline
▲ 0.50% · 4.625%
HK$30,482
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,912/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,633
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,555
−HK$936/mo
Today · 4.125%
HK$31,491
baseline
▲ 0.50% · 4.625%
HK$33,407
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,982/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,966
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,850
−HK$897/mo
Today · 4.125%
HK$34,747
baseline
▲ 0.50% · 4.625%
HK$36,579
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,494/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,572
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,647
−HK$1,093/mo
Today · 4.125%
HK$36,740
baseline
▲ 0.50% · 4.625%
HK$38,975
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,480/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,461
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,492
−HK$1,047/mo
Today · 4.125%
HK$40,539
baseline
▲ 0.50% · 4.625%
HK$42,675
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,078/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,449
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,832
−HK$1,405/mo
Today · 4.125%
HK$47,237
baseline
▲ 0.50% · 4.625%
HK$50,111
+HK$2,874/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,474/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,449
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,776
−HK$1,345/mo
Today · 4.125%
HK$52,121
baseline
▲ 0.50% · 4.625%
HK$54,868
+HK$2,747/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,242/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,107 · Scale 2, in force from 26 Feb 2026)