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$24,702
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,470
−HK$781/mo
Today · 4.125%
HK$26,251
baseline
▲ 0.50% · 4.625%
HK$27,848
+HK$1,597/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,502/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,481
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,218
−HK$747/mo
Today · 4.125%
HK$28,965
baseline
▲ 0.50% · 4.625%
HK$30,492
+HK$1,527/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$406,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,642
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,564
−HK$937/mo
Today · 4.125%
HK$31,501
baseline
▲ 0.50% · 4.625%
HK$33,418
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,002/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,977
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,861
−HK$897/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$406,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,583
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,658
−HK$1,093/mo
Today · 4.125%
HK$36,751
baseline
▲ 0.50% · 4.625%
HK$38,987
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,502/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,473
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,505
−HK$1,046/mo
Today · 4.125%
HK$40,551
baseline
▲ 0.50% · 4.625%
HK$42,689
+HK$2,138/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,102/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,463
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,846
−HK$1,406/mo
Today · 4.125%
HK$47,252
baseline
▲ 0.50% · 4.625%
HK$50,127
+HK$2,875/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,504/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,465
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,792
−HK$1,345/mo
Today · 4.125%
HK$52,137
baseline
▲ 0.50% · 4.625%
HK$54,886
+HK$2,749/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,274/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,235 · Scale 2, in force from 26 Feb 2026)