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$24,723
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,492
−HK$782/mo
Today · 4.125%
HK$26,274
baseline
▲ 0.50% · 4.625%
HK$27,872
+HK$1,598/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$406,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,505
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,242
−HK$748/mo
Today · 4.125%
HK$28,990
baseline
▲ 0.50% · 4.625%
HK$30,519
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,980/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,668
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,591
−HK$937/mo
Today · 4.125%
HK$31,528
baseline
▲ 0.50% · 4.625%
HK$33,447
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,056/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,005
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,891
−HK$898/mo
Today · 4.125%
HK$34,789
baseline
▲ 0.50% · 4.625%
HK$36,622
+HK$1,833/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$406,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,613
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,689
−HK$1,094/mo
Today · 4.125%
HK$36,783
baseline
▲ 0.50% · 4.625%
HK$39,021
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,566/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,506
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,539
−HK$1,048/mo
Today · 4.125%
HK$40,587
baseline
▲ 0.50% · 4.625%
HK$42,726
+HK$2,139/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$406,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,502
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,886
−HK$1,407/mo
Today · 4.125%
HK$47,293
baseline
▲ 0.50% · 4.625%
HK$50,170
+HK$2,877/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$406,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,508
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,836
−HK$1,347/mo
Today · 4.125%
HK$52,183
baseline
▲ 0.50% · 4.625%
HK$54,934
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,366/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,589 · Scale 2, in force from 26 Feb 2026)