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$24,733
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,502
−HK$782/mo
Today · 4.125%
HK$26,284
baseline
▲ 0.50% · 4.625%
HK$27,883
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,568/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,515
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,253
−HK$748/mo
Today · 4.125%
HK$29,001
baseline
▲ 0.50% · 4.625%
HK$30,530
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,002/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,679
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,602
−HK$938/mo
Today · 4.125%
HK$31,540
baseline
▲ 0.50% · 4.625%
HK$33,460
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,080/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,018
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,903
−HK$899/mo
Today · 4.125%
HK$34,802
baseline
▲ 0.50% · 4.625%
HK$36,636
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,604/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,626
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,703
−HK$1,094/mo
Today · 4.125%
HK$36,797
baseline
▲ 0.50% · 4.625%
HK$39,036
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,594/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,521
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,554
−HK$1,048/mo
Today · 4.125%
HK$40,602
baseline
▲ 0.50% · 4.625%
HK$42,742
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,204/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,519
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,904
−HK$1,407/mo
Today · 4.125%
HK$47,311
baseline
▲ 0.50% · 4.625%
HK$50,189
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,622/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,527
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,855
−HK$1,348/mo
Today · 4.125%
HK$52,203
baseline
▲ 0.50% · 4.625%
HK$54,954
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,406/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,743 · Scale 2, in force from 26 Feb 2026)