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$24,690
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,458
−HK$781/mo
Today · 4.125%
HK$26,239
baseline
▲ 0.50% · 4.625%
HK$27,835
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,478/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,468
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,204
−HK$748/mo
Today · 4.125%
HK$28,952
baseline
▲ 0.50% · 4.625%
HK$30,478
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,904/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,628
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,550
−HK$936/mo
Today · 4.125%
HK$31,486
baseline
▲ 0.50% · 4.625%
HK$33,402
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,972/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,961
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,845
−HK$897/mo
Today · 4.125%
HK$34,742
baseline
▲ 0.50% · 4.625%
HK$36,573
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,484/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,566
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,642
−HK$1,092/mo
Today · 4.125%
HK$36,734
baseline
▲ 0.50% · 4.625%
HK$38,969
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,468/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,455
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,486
−HK$1,046/mo
Today · 4.125%
HK$40,532
baseline
▲ 0.50% · 4.625%
HK$42,669
+HK$2,137/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,064/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,443
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,825
−HK$1,405/mo
Today · 4.125%
HK$47,230
baseline
▲ 0.50% · 4.625%
HK$50,103
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,460/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,442
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,768
−HK$1,345/mo
Today · 4.125%
HK$52,113
baseline
▲ 0.50% · 4.625%
HK$54,860
+HK$2,747/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,226/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,046 · Scale 2, in force from 26 Feb 2026)