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$24,738
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,508
−HK$782/mo
Today · 4.125%
HK$26,290
baseline
▲ 0.50% · 4.625%
HK$27,889
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,580/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,521
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,259
−HK$749/mo
Today · 4.125%
HK$29,008
baseline
▲ 0.50% · 4.625%
HK$30,537
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,016/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,686
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,609
−HK$938/mo
Today · 4.125%
HK$31,547
baseline
▲ 0.50% · 4.625%
HK$33,467
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,094/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,025
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,911
−HK$898/mo
Today · 4.125%
HK$34,809
baseline
▲ 0.50% · 4.625%
HK$36,644
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,618/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,634
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,711
−HK$1,094/mo
Today · 4.125%
HK$36,805
baseline
▲ 0.50% · 4.625%
HK$39,045
+HK$2,240/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,610/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,529
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,563
−HK$1,048/mo
Today · 4.125%
HK$40,611
baseline
▲ 0.50% · 4.625%
HK$42,752
+HK$2,141/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,222/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,529
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,914
−HK$1,407/mo
Today · 4.125%
HK$47,321
baseline
▲ 0.50% · 4.625%
HK$50,201
+HK$2,880/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,642/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,538
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,866
−HK$1,348/mo
Today · 4.125%
HK$52,214
baseline
▲ 0.50% · 4.625%
HK$54,966
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,428/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,833 · Scale 2, in force from 26 Feb 2026)