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$24,726
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,495
−HK$782/mo
Today · 4.125%
HK$26,277
baseline
▲ 0.50% · 4.625%
HK$27,876
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,554/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,508
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,245
−HK$749/mo
Today · 4.125%
HK$28,994
baseline
▲ 0.50% · 4.625%
HK$30,522
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,988/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,671
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,594
−HK$938/mo
Today · 4.125%
HK$31,532
baseline
▲ 0.50% · 4.625%
HK$33,451
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,064/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,009
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,894
−HK$899/mo
Today · 4.125%
HK$34,793
baseline
▲ 0.50% · 4.625%
HK$36,626
+HK$1,833/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,586/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,617
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,693
−HK$1,094/mo
Today · 4.125%
HK$36,787
baseline
▲ 0.50% · 4.625%
HK$39,026
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,574/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,511
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,544
−HK$1,047/mo
Today · 4.125%
HK$40,591
baseline
▲ 0.50% · 4.625%
HK$42,731
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,182/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,507
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,892
−HK$1,406/mo
Today · 4.125%
HK$47,298
baseline
▲ 0.50% · 4.625%
HK$50,176
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,596/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,514
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,842
−HK$1,347/mo
Today · 4.125%
HK$52,189
baseline
▲ 0.50% · 4.625%
HK$54,940
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,378/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,635 · Scale 2, in force from 26 Feb 2026)