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$24,729
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,498
−HK$782/mo
Today · 4.125%
HK$26,280
baseline
▲ 0.50% · 4.625%
HK$27,879
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,560/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,511
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,249
−HK$748/mo
Today · 4.125%
HK$28,997
baseline
▲ 0.50% · 4.625%
HK$30,525
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,994/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,675
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,598
−HK$938/mo
Today · 4.125%
HK$31,536
baseline
▲ 0.50% · 4.625%
HK$33,454
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,072/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,013
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,898
−HK$898/mo
Today · 4.125%
HK$34,796
baseline
▲ 0.50% · 4.625%
HK$36,631
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,592/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,621
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,697
−HK$1,095/mo
Today · 4.125%
HK$36,792
baseline
▲ 0.50% · 4.625%
HK$39,030
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,584/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,515
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,548
−HK$1,048/mo
Today · 4.125%
HK$40,596
baseline
▲ 0.50% · 4.625%
HK$42,736
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,192/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,512
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,897
−HK$1,406/mo
Today · 4.125%
HK$47,303
baseline
▲ 0.50% · 4.625%
HK$50,182
+HK$2,879/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,606/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,519
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,847
−HK$1,348/mo
Today · 4.125%
HK$52,195
baseline
▲ 0.50% · 4.625%
HK$54,946
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,390/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,681 · Scale 2, in force from 26 Feb 2026)