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$24,713
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,481
−HK$781/mo
Today · 4.125%
HK$26,262
baseline
▲ 0.50% · 4.625%
HK$27,860
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,524/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,493
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,230
−HK$748/mo
Today · 4.125%
HK$28,978
baseline
▲ 0.50% · 4.625%
HK$30,505
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,956/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,655
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,578
−HK$937/mo
Today · 4.125%
HK$31,515
baseline
▲ 0.50% · 4.625%
HK$33,433
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$63,030/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,991
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,876
−HK$898/mo
Today · 4.125%
HK$34,774
baseline
▲ 0.50% · 4.625%
HK$36,607
+HK$1,833/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$69,548/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,598
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,674
−HK$1,093/mo
Today · 4.125%
HK$36,767
baseline
▲ 0.50% · 4.625%
HK$39,005
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,534/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,490
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,522
−HK$1,047/mo
Today · 4.125%
HK$40,569
baseline
▲ 0.50% · 4.625%
HK$42,708
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,138/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,483
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,867
−HK$1,405/mo
Today · 4.125%
HK$47,272
baseline
▲ 0.50% · 4.625%
HK$50,149
+HK$2,877/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,544/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,487
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,814
−HK$1,346/mo
Today · 4.125%
HK$52,160
baseline
▲ 0.50% · 4.625%
HK$54,910
+HK$2,750/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,320/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,414 · Scale 2, in force from 26 Feb 2026)