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$24,693
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,461
−HK$781/mo
Today · 4.125%
HK$26,242
baseline
▲ 0.50% · 4.625%
HK$27,839
+HK$1,597/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,484/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,471
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,208
−HK$747/mo
Today · 4.125%
HK$28,955
baseline
▲ 0.50% · 4.625%
HK$30,482
+HK$1,527/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,910/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,632
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,554
−HK$936/mo
Today · 4.125%
HK$31,490
baseline
▲ 0.50% · 4.625%
HK$33,406
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,980/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,965
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,849
−HK$897/mo
Today · 4.125%
HK$34,746
baseline
▲ 0.50% · 4.625%
HK$36,578
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,492/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,571
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,646
−HK$1,093/mo
Today · 4.125%
HK$36,739
baseline
▲ 0.50% · 4.625%
HK$38,974
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,478/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,459
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,491
−HK$1,046/mo
Today · 4.125%
HK$40,537
baseline
▲ 0.50% · 4.625%
HK$42,674
+HK$2,137/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,074/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,448
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,831
−HK$1,404/mo
Today · 4.125%
HK$47,235
baseline
▲ 0.50% · 4.625%
HK$50,109
+HK$2,874/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,470/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,448
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,774
−HK$1,345/mo
Today · 4.125%
HK$52,119
baseline
▲ 0.50% · 4.625%
HK$54,867
+HK$2,748/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,238/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,095 · Scale 2, in force from 26 Feb 2026)