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$24,695
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,463
−HK$780/mo
Today · 4.125%
HK$26,243
baseline
▲ 0.50% · 4.625%
HK$27,840
+HK$1,597/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,486/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,473
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,210
−HK$747/mo
Today · 4.125%
HK$28,957
baseline
▲ 0.50% · 4.625%
HK$30,483
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,914/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,634
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,556
−HK$936/mo
Today · 4.125%
HK$31,492
baseline
▲ 0.50% · 4.625%
HK$33,408
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,984/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,967
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,852
−HK$897/mo
Today · 4.125%
HK$34,749
baseline
▲ 0.50% · 4.625%
HK$36,580
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,498/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,573
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,648
−HK$1,093/mo
Today · 4.125%
HK$36,741
baseline
▲ 0.50% · 4.625%
HK$38,976
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,482/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,462
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,494
−HK$1,046/mo
Today · 4.125%
HK$40,540
baseline
▲ 0.50% · 4.625%
HK$42,677
+HK$2,137/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,080/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,451
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,834
−HK$1,404/mo
Today · 4.125%
HK$47,238
baseline
▲ 0.50% · 4.625%
HK$50,113
+HK$2,875/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,476/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,451
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,777
−HK$1,346/mo
Today · 4.125%
HK$52,123
baseline
▲ 0.50% · 4.625%
HK$54,870
+HK$2,747/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,246/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,121 · Scale 2, in force from 26 Feb 2026)