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$24,716
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,485
−HK$781/mo
Today · 4.125%
HK$26,266
baseline
▲ 0.50% · 4.625%
HK$27,864
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,532/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,497
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,234
−HK$748/mo
Today · 4.125%
HK$28,982
baseline
▲ 0.50% · 4.625%
HK$30,510
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,964/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,660
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,582
−HK$937/mo
Today · 4.125%
HK$31,519
baseline
▲ 0.50% · 4.625%
HK$33,437
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$63,038/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,996
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,881
−HK$898/mo
Today · 4.125%
HK$34,779
baseline
▲ 0.50% · 4.625%
HK$36,612
+HK$1,833/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$69,558/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,603
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,679
−HK$1,094/mo
Today · 4.125%
HK$36,773
baseline
▲ 0.50% · 4.625%
HK$39,010
+HK$2,237/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,546/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,495
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,528
−HK$1,047/mo
Today · 4.125%
HK$40,575
baseline
▲ 0.50% · 4.625%
HK$42,714
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,150/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,489
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,873
−HK$1,406/mo
Today · 4.125%
HK$47,279
baseline
▲ 0.50% · 4.625%
HK$50,156
+HK$2,877/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,558/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,494
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,821
−HK$1,347/mo
Today · 4.125%
HK$52,168
baseline
▲ 0.50% · 4.625%
HK$54,918
+HK$2,750/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,336/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,473 · Scale 2, in force from 26 Feb 2026)