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$24,731
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,500
−HK$781/mo
Today · 4.125%
HK$26,281
baseline
▲ 0.50% · 4.625%
HK$27,881
+HK$1,600/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$406,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,513
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,250
−HK$749/mo
Today · 4.125%
HK$28,999
baseline
▲ 0.50% · 4.625%
HK$30,528
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,998/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,677
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,600
−HK$938/mo
Today · 4.125%
HK$31,538
baseline
▲ 0.50% · 4.625%
HK$33,457
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,076/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,015
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,900
−HK$899/mo
Today · 4.125%
HK$34,799
baseline
▲ 0.50% · 4.625%
HK$36,633
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,598/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,623
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,700
−HK$1,094/mo
Today · 4.125%
HK$36,794
baseline
▲ 0.50% · 4.625%
HK$39,033
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,588/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,518
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,551
−HK$1,048/mo
Today · 4.125%
HK$40,599
baseline
▲ 0.50% · 4.625%
HK$42,739
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,198/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,515
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,900
−HK$1,407/mo
Today · 4.125%
HK$47,307
baseline
▲ 0.50% · 4.625%
HK$50,185
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,614/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,523
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,851
−HK$1,347/mo
Today · 4.125%
HK$52,198
baseline
▲ 0.50% · 4.625%
HK$54,950
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,396/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,708 · Scale 2, in force from 26 Feb 2026)