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$24,730
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,499
−HK$782/mo
Today · 4.125%
HK$26,281
baseline
▲ 0.50% · 4.625%
HK$27,880
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,562/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,512
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,250
−HK$748/mo
Today · 4.125%
HK$28,998
baseline
▲ 0.50% · 4.625%
HK$30,527
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,996/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,676
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,599
−HK$938/mo
Today · 4.125%
HK$31,537
baseline
▲ 0.50% · 4.625%
HK$33,456
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,074/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,014
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,900
−HK$898/mo
Today · 4.125%
HK$34,798
baseline
▲ 0.50% · 4.625%
HK$36,632
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,596/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,622
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,699
−HK$1,094/mo
Today · 4.125%
HK$36,793
baseline
▲ 0.50% · 4.625%
HK$39,032
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,586/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,517
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,550
−HK$1,048/mo
Today · 4.125%
HK$40,598
baseline
▲ 0.50% · 4.625%
HK$42,738
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,196/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,514
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,899
−HK$1,407/mo
Today · 4.125%
HK$47,306
baseline
▲ 0.50% · 4.625%
HK$50,184
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,612/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,522
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,850
−HK$1,347/mo
Today · 4.125%
HK$52,197
baseline
▲ 0.50% · 4.625%
HK$54,949
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,394/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,701 · Scale 2, in force from 26 Feb 2026)