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$24,699
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,468
−HK$780/mo
Today · 4.125%
HK$26,248
baseline
▲ 0.50% · 4.625%
HK$27,845
+HK$1,597/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,496/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,478
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,215
−HK$747/mo
Today · 4.125%
HK$28,962
baseline
▲ 0.50% · 4.625%
HK$30,489
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,924/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,639
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,561
−HK$937/mo
Today · 4.125%
HK$31,498
baseline
▲ 0.50% · 4.625%
HK$33,414
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,996/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,973
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,858
−HK$897/mo
Today · 4.125%
HK$34,755
baseline
▲ 0.50% · 4.625%
HK$36,587
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,510/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,579
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,655
−HK$1,092/mo
Today · 4.125%
HK$36,747
baseline
▲ 0.50% · 4.625%
HK$38,983
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,494/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,469
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,501
−HK$1,046/mo
Today · 4.125%
HK$40,547
baseline
▲ 0.50% · 4.625%
HK$42,684
+HK$2,137/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,094/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,459
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,842
−HK$1,405/mo
Today · 4.125%
HK$47,247
baseline
▲ 0.50% · 4.625%
HK$50,122
+HK$2,875/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,494/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,460
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,786
−HK$1,346/mo
Today · 4.125%
HK$52,132
baseline
▲ 0.50% · 4.625%
HK$54,880
+HK$2,748/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,264/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,194 · Scale 2, in force from 26 Feb 2026)