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$24,688
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,456
−HK$780/mo
Today · 4.125%
HK$26,236
baseline
▲ 0.50% · 4.625%
HK$27,833
+HK$1,597/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,472/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,465
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,202
−HK$747/mo
Today · 4.125%
HK$28,949
baseline
▲ 0.50% · 4.625%
HK$30,475
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,898/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,626
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,547
−HK$936/mo
Today · 4.125%
HK$31,483
baseline
▲ 0.50% · 4.625%
HK$33,399
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,966/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,958
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,842
−HK$897/mo
Today · 4.125%
HK$34,739
baseline
▲ 0.50% · 4.625%
HK$36,570
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,478/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,563
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,638
−HK$1,093/mo
Today · 4.125%
HK$36,731
baseline
▲ 0.50% · 4.625%
HK$38,966
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,462/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,451
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,482
−HK$1,047/mo
Today · 4.125%
HK$40,529
baseline
▲ 0.50% · 4.625%
HK$42,665
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,058/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,438
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,821
−HK$1,404/mo
Today · 4.125%
HK$47,225
baseline
▲ 0.50% · 4.625%
HK$50,099
+HK$2,874/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,450/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,437
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,763
−HK$1,345/mo
Today · 4.125%
HK$52,108
baseline
▲ 0.50% · 4.625%
HK$54,855
+HK$2,747/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,216/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,007 · Scale 2, in force from 26 Feb 2026)