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$24,713
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,482
−HK$781/mo
Today · 4.125%
HK$26,263
baseline
▲ 0.50% · 4.625%
HK$27,861
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,526/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,493
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,231
−HK$748/mo
Today · 4.125%
HK$28,979
baseline
▲ 0.50% · 4.625%
HK$30,506
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,958/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,656
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,579
−HK$937/mo
Today · 4.125%
HK$31,516
baseline
▲ 0.50% · 4.625%
HK$33,433
+HK$1,917/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$63,032/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,992
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,877
−HK$898/mo
Today · 4.125%
HK$34,775
baseline
▲ 0.50% · 4.625%
HK$36,608
+HK$1,833/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$69,550/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,599
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,675
−HK$1,093/mo
Today · 4.125%
HK$36,768
baseline
▲ 0.50% · 4.625%
HK$39,006
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,536/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,491
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,523
−HK$1,047/mo
Today · 4.125%
HK$40,570
baseline
▲ 0.50% · 4.625%
HK$42,709
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,140/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,484
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,868
−HK$1,406/mo
Today · 4.125%
HK$47,274
baseline
▲ 0.50% · 4.625%
HK$50,150
+HK$2,876/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,548/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,488
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,815
−HK$1,347/mo
Today · 4.125%
HK$52,162
baseline
▲ 0.50% · 4.625%
HK$54,911
+HK$2,749/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,324/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,426 · Scale 2, in force from 26 Feb 2026)