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$24,737
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,507
−HK$782/mo
Today · 4.125%
HK$26,289
baseline
▲ 0.50% · 4.625%
HK$27,888
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,578/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,520
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,258
−HK$749/mo
Today · 4.125%
HK$29,007
baseline
▲ 0.50% · 4.625%
HK$30,536
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,014/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,685
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,608
−HK$938/mo
Today · 4.125%
HK$31,546
baseline
▲ 0.50% · 4.625%
HK$33,466
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,092/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,024
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,910
−HK$898/mo
Today · 4.125%
HK$34,808
baseline
▲ 0.50% · 4.625%
HK$36,643
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,616/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,632
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,710
−HK$1,094/mo
Today · 4.125%
HK$36,804
baseline
▲ 0.50% · 4.625%
HK$39,044
+HK$2,240/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,608/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,528
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,561
−HK$1,049/mo
Today · 4.125%
HK$40,610
baseline
▲ 0.50% · 4.625%
HK$42,750
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,220/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,527
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,912
−HK$1,408/mo
Today · 4.125%
HK$47,320
baseline
▲ 0.50% · 4.625%
HK$50,199
+HK$2,879/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,640/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,536
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,865
−HK$1,348/mo
Today · 4.125%
HK$52,213
baseline
▲ 0.50% · 4.625%
HK$54,965
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,426/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,820 · Scale 2, in force from 26 Feb 2026)