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$24,704
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,472
−HK$781/mo
Today · 4.125%
HK$26,253
baseline
▲ 0.50% · 4.625%
HK$27,850
+HK$1,597/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,506/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,483
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,220
−HK$747/mo
Today · 4.125%
HK$28,967
baseline
▲ 0.50% · 4.625%
HK$30,494
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,934/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,644
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,567
−HK$936/mo
Today · 4.125%
HK$31,503
baseline
▲ 0.50% · 4.625%
HK$33,420
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,006/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,979
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,864
−HK$897/mo
Today · 4.125%
HK$34,761
baseline
▲ 0.50% · 4.625%
HK$36,593
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,522/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,585
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,661
−HK$1,093/mo
Today · 4.125%
HK$36,754
baseline
▲ 0.50% · 4.625%
HK$38,990
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,508/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,476
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,508
−HK$1,046/mo
Today · 4.125%
HK$40,554
baseline
▲ 0.50% · 4.625%
HK$42,692
+HK$2,138/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,108/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,467
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,850
−HK$1,405/mo
Today · 4.125%
HK$47,255
baseline
▲ 0.50% · 4.625%
HK$50,130
+HK$2,875/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,510/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,469
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,795
−HK$1,346/mo
Today · 4.125%
HK$52,141
baseline
▲ 0.50% · 4.625%
HK$54,890
+HK$2,749/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,282/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,265 · Scale 2, in force from 26 Feb 2026)