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$24,686
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,454
−HK$780/mo
Today · 4.125%
HK$26,234
baseline
▲ 0.50% · 4.625%
HK$27,831
+HK$1,597/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,468/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,463
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,200
−HK$747/mo
Today · 4.125%
HK$28,947
baseline
▲ 0.50% · 4.625%
HK$30,473
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,894/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,624
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,545
−HK$936/mo
Today · 4.125%
HK$31,481
baseline
▲ 0.50% · 4.625%
HK$33,397
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,962/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,956
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,840
−HK$897/mo
Today · 4.125%
HK$34,737
baseline
▲ 0.50% · 4.625%
HK$36,568
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,474/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,561
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,636
−HK$1,092/mo
Today · 4.125%
HK$36,728
baseline
▲ 0.50% · 4.625%
HK$38,963
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,456/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,449
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,480
−HK$1,046/mo
Today · 4.125%
HK$40,526
baseline
▲ 0.50% · 4.625%
HK$42,662
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,052/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,436
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,818
−HK$1,404/mo
Today · 4.125%
HK$47,222
baseline
▲ 0.50% · 4.625%
HK$50,095
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,444/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,434
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,760
−HK$1,345/mo
Today · 4.125%
HK$52,105
baseline
▲ 0.50% · 4.625%
HK$54,851
+HK$2,746/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,210/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,981 · Scale 2, in force from 26 Feb 2026)