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$24,711
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,480
−HK$781/mo
Today · 4.125%
HK$26,261
baseline
▲ 0.50% · 4.625%
HK$27,859
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,522/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,491
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,228
−HK$748/mo
Today · 4.125%
HK$28,976
baseline
▲ 0.50% · 4.625%
HK$30,503
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,952/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,653
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,576
−HK$937/mo
Today · 4.125%
HK$31,513
baseline
▲ 0.50% · 4.625%
HK$33,430
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,026/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,989
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,874
−HK$897/mo
Today · 4.125%
HK$34,771
baseline
▲ 0.50% · 4.625%
HK$36,604
+HK$1,833/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,542/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,596
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,672
−HK$1,093/mo
Today · 4.125%
HK$36,765
baseline
▲ 0.50% · 4.625%
HK$39,002
+HK$2,237/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,530/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,487
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,519
−HK$1,048/mo
Today · 4.125%
HK$40,567
baseline
▲ 0.50% · 4.625%
HK$42,705
+HK$2,138/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,134/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,480
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,864
−HK$1,405/mo
Today · 4.125%
HK$47,269
baseline
▲ 0.50% · 4.625%
HK$50,145
+HK$2,876/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,538/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,483
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,811
−HK$1,346/mo
Today · 4.125%
HK$52,157
baseline
▲ 0.50% · 4.625%
HK$54,906
+HK$2,749/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,314/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,387 · Scale 2, in force from 26 Feb 2026)