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$1,550/mo
▼ 0.25% · 3.875%
HK$25,492
−HK$781/mo
Today · 4.125%
HK$26,273
baseline
▲ 0.50% · 4.625%
HK$27,872
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,546/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,504
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,242
−HK$748/mo
Today · 4.125%
HK$28,990
baseline
▲ 0.50% · 4.625%
HK$30,518
+HK$1,528/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$406,585 · 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$406,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,005
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,890
−HK$898/mo
Today · 4.125%
HK$34,788
baseline
▲ 0.50% · 4.625%
HK$36,622
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,576/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,612
−HK$2,171/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$406,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,506
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,539
−HK$1,047/mo
Today · 4.125%
HK$40,586
baseline
▲ 0.50% · 4.625%
HK$42,726
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,172/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,502
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,886
−HK$1,406/mo
Today · 4.125%
HK$47,292
baseline
▲ 0.50% · 4.625%
HK$50,170
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,584/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,508
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,835
−HK$1,347/mo
Today · 4.125%
HK$52,182
baseline
▲ 0.50% · 4.625%
HK$54,933
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,364/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,585 · Scale 2, in force from 26 Feb 2026)