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$24,692
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,460
−HK$781/mo
Today · 4.125%
HK$26,241
baseline
▲ 0.50% · 4.625%
HK$27,837
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,482/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,470
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,207
−HK$747/mo
Today · 4.125%
HK$28,954
baseline
▲ 0.50% · 4.625%
HK$30,480
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,908/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,631
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,552
−HK$937/mo
Today · 4.125%
HK$31,489
baseline
▲ 0.50% · 4.625%
HK$33,405
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,978/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,964
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,848
−HK$897/mo
Today · 4.125%
HK$34,745
baseline
▲ 0.50% · 4.625%
HK$36,576
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,490/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,569
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,644
−HK$1,093/mo
Today · 4.125%
HK$36,737
baseline
▲ 0.50% · 4.625%
HK$38,972
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,474/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,458
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,489
−HK$1,047/mo
Today · 4.125%
HK$40,536
baseline
▲ 0.50% · 4.625%
HK$42,672
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,072/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,446
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,829
−HK$1,404/mo
Today · 4.125%
HK$47,233
baseline
▲ 0.50% · 4.625%
HK$50,107
+HK$2,874/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,466/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,446
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,772
−HK$1,345/mo
Today · 4.125%
HK$52,117
baseline
▲ 0.50% · 4.625%
HK$54,864
+HK$2,747/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,234/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,077 · Scale 2, in force from 26 Feb 2026)