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$24,698
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,466
−HK$780/mo
Today · 4.125%
HK$26,246
baseline
▲ 0.50% · 4.625%
HK$27,843
+HK$1,597/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,492/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,476
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,213
−HK$747/mo
Today · 4.125%
HK$28,960
baseline
▲ 0.50% · 4.625%
HK$30,487
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,920/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,637
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,559
−HK$937/mo
Today · 4.125%
HK$31,496
baseline
▲ 0.50% · 4.625%
HK$33,412
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,992/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,971
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,855
−HK$897/mo
Today · 4.125%
HK$34,752
baseline
▲ 0.50% · 4.625%
HK$36,584
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,504/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,577
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,652
−HK$1,093/mo
Today · 4.125%
HK$36,745
baseline
▲ 0.50% · 4.625%
HK$38,981
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,490/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,466
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,498
−HK$1,046/mo
Today · 4.125%
HK$40,544
baseline
▲ 0.50% · 4.625%
HK$42,681
+HK$2,137/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,088/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,456
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,838
−HK$1,405/mo
Today · 4.125%
HK$47,243
baseline
▲ 0.50% · 4.625%
HK$50,118
+HK$2,875/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,486/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,456
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,783
−HK$1,345/mo
Today · 4.125%
HK$52,128
baseline
▲ 0.50% · 4.625%
HK$54,876
+HK$2,748/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,256/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,164 · Scale 2, in force from 26 Feb 2026)