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$24,739
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,508
−HK$782/mo
Today · 4.125%
HK$26,290
baseline
▲ 0.50% · 4.625%
HK$27,890
+HK$1,600/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,580/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,522
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,260
−HK$749/mo
Today · 4.125%
HK$29,009
baseline
▲ 0.50% · 4.625%
HK$30,538
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,018/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,687
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,610
−HK$938/mo
Today · 4.125%
HK$31,548
baseline
▲ 0.50% · 4.625%
HK$33,468
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,096/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,026
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,912
−HK$898/mo
Today · 4.125%
HK$34,810
baseline
▲ 0.50% · 4.625%
HK$36,645
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,620/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,634
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,712
−HK$1,094/mo
Today · 4.125%
HK$36,806
baseline
▲ 0.50% · 4.625%
HK$39,046
+HK$2,240/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,612/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,530
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,564
−HK$1,048/mo
Today · 4.125%
HK$40,612
baseline
▲ 0.50% · 4.625%
HK$42,753
+HK$2,141/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,224/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,530
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,915
−HK$1,407/mo
Today · 4.125%
HK$47,322
baseline
▲ 0.50% · 4.625%
HK$50,202
+HK$2,880/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,644/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,539
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,868
−HK$1,347/mo
Today · 4.125%
HK$52,215
baseline
▲ 0.50% · 4.625%
HK$54,968
+HK$2,753/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,430/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,842 · Scale 2, in force from 26 Feb 2026)