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$24,717
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$782/mo
Today · 4.125%
HK$26,268
baseline
▲ 0.50% · 4.625%
HK$27,866
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,536/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,498
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,235
−HK$749/mo
Today · 4.125%
HK$28,984
baseline
▲ 0.50% · 4.625%
HK$30,511
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,968/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,661
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,584
−HK$937/mo
Today · 4.125%
HK$31,521
baseline
▲ 0.50% · 4.625%
HK$33,439
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$63,042/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,998
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,883
−HK$897/mo
Today · 4.125%
HK$34,780
baseline
▲ 0.50% · 4.625%
HK$36,614
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$69,560/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,604
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,681
−HK$1,094/mo
Today · 4.125%
HK$36,775
baseline
▲ 0.50% · 4.625%
HK$39,012
+HK$2,237/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,550/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,497
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,530
−HK$1,047/mo
Today · 4.125%
HK$40,577
baseline
▲ 0.50% · 4.625%
HK$42,716
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,154/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,491
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,875
−HK$1,407/mo
Today · 4.125%
HK$47,282
baseline
▲ 0.50% · 4.625%
HK$50,158
+HK$2,876/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,564/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,496
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,824
−HK$1,346/mo
Today · 4.125%
HK$52,170
baseline
▲ 0.50% · 4.625%
HK$54,920
+HK$2,750/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,340/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,493 · Scale 2, in force from 26 Feb 2026)