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$24,724
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,493
−HK$781/mo
Today · 4.125%
HK$26,274
baseline
▲ 0.50% · 4.625%
HK$27,873
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,548/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,505
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,243
−HK$748/mo
Today · 4.125%
HK$28,991
baseline
▲ 0.50% · 4.625%
HK$30,519
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,982/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,668
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,591
−HK$938/mo
Today · 4.125%
HK$31,529
baseline
▲ 0.50% · 4.625%
HK$33,447
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,058/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,006
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,891
−HK$898/mo
Today · 4.125%
HK$34,789
baseline
▲ 0.50% · 4.625%
HK$36,623
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,578/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,613
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,690
−HK$1,094/mo
Today · 4.125%
HK$36,784
baseline
▲ 0.50% · 4.625%
HK$39,022
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,568/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,507
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,540
−HK$1,047/mo
Today · 4.125%
HK$40,587
baseline
▲ 0.50% · 4.625%
HK$42,727
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,174/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,503
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,887
−HK$1,406/mo
Today · 4.125%
HK$47,293
baseline
▲ 0.50% · 4.625%
HK$50,171
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,586/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,509
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,837
−HK$1,347/mo
Today · 4.125%
HK$52,184
baseline
▲ 0.50% · 4.625%
HK$54,934
+HK$2,750/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,368/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,595 · Scale 2, in force from 26 Feb 2026)