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$24,708
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,476
−HK$781/mo
Today · 4.125%
HK$26,257
baseline
▲ 0.50% · 4.625%
HK$27,855
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,514/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,487
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,224
−HK$748/mo
Today · 4.125%
HK$28,972
baseline
▲ 0.50% · 4.625%
HK$30,499
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,944/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,649
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,572
−HK$937/mo
Today · 4.125%
HK$31,509
baseline
▲ 0.50% · 4.625%
HK$33,426
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,018/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,985
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,869
−HK$898/mo
Today · 4.125%
HK$34,767
baseline
▲ 0.50% · 4.625%
HK$36,599
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,534/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,591
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,667
−HK$1,093/mo
Today · 4.125%
HK$36,760
baseline
▲ 0.50% · 4.625%
HK$38,997
+HK$2,237/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,520/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,482
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,514
−HK$1,047/mo
Today · 4.125%
HK$40,561
baseline
▲ 0.50% · 4.625%
HK$42,699
+HK$2,138/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,122/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,474
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,858
−HK$1,405/mo
Today · 4.125%
HK$47,263
baseline
▲ 0.50% · 4.625%
HK$50,139
+HK$2,876/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,526/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,477
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,804
−HK$1,346/mo
Today · 4.125%
HK$52,150
baseline
▲ 0.50% · 4.625%
HK$54,899
+HK$2,749/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,300/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,334 · Scale 2, in force from 26 Feb 2026)