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$24,712
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,481
−HK$781/mo
Today · 4.125%
HK$26,262
baseline
▲ 0.50% · 4.625%
HK$27,860
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,524/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,492
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,229
−HK$748/mo
Today · 4.125%
HK$28,977
baseline
▲ 0.50% · 4.625%
HK$30,505
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,954/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,655
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,577
−HK$937/mo
Today · 4.125%
HK$31,514
baseline
▲ 0.50% · 4.625%
HK$33,432
+HK$1,918/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,028/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,990
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,875
−HK$898/mo
Today · 4.125%
HK$34,773
baseline
▲ 0.50% · 4.625%
HK$36,606
+HK$1,833/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,546/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,597
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,673
−HK$1,093/mo
Today · 4.125%
HK$36,766
baseline
▲ 0.50% · 4.625%
HK$39,004
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,532/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,489
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,521
−HK$1,047/mo
Today · 4.125%
HK$40,568
baseline
▲ 0.50% · 4.625%
HK$42,707
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,136/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,482
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,865
−HK$1,406/mo
Today · 4.125%
HK$47,271
baseline
▲ 0.50% · 4.625%
HK$50,147
+HK$2,876/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,542/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,486
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,813
−HK$1,346/mo
Today · 4.125%
HK$52,159
baseline
▲ 0.50% · 4.625%
HK$54,908
+HK$2,749/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,318/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,404 · Scale 2, in force from 26 Feb 2026)