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$24,717
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$781/mo
Today · 4.125%
HK$26,267
baseline
▲ 0.50% · 4.625%
HK$27,865
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,534/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,498
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,235
−HK$748/mo
Today · 4.125%
HK$28,983
baseline
▲ 0.50% · 4.625%
HK$30,511
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,966/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,661
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,583
−HK$938/mo
Today · 4.125%
HK$31,521
baseline
▲ 0.50% · 4.625%
HK$33,439
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$63,042/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,997
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,882
−HK$898/mo
Today · 4.125%
HK$34,780
baseline
▲ 0.50% · 4.625%
HK$36,613
+HK$1,833/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$69,560/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,604
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,680
−HK$1,094/mo
Today · 4.125%
HK$36,774
baseline
▲ 0.50% · 4.625%
HK$39,012
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,548/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,497
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,529
−HK$1,048/mo
Today · 4.125%
HK$40,577
baseline
▲ 0.50% · 4.625%
HK$42,715
+HK$2,138/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,154/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,491
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,875
−HK$1,406/mo
Today · 4.125%
HK$47,281
baseline
▲ 0.50% · 4.625%
HK$50,158
+HK$2,877/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,562/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,496
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,823
−HK$1,347/mo
Today · 4.125%
HK$52,170
baseline
▲ 0.50% · 4.625%
HK$54,920
+HK$2,750/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,340/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,488 · Scale 2, in force from 26 Feb 2026)