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$24,696
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,465
−HK$780/mo
Today · 4.125%
HK$26,245
baseline
▲ 0.50% · 4.625%
HK$27,842
+HK$1,597/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,490/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,475
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,211
−HK$748/mo
Today · 4.125%
HK$28,959
baseline
▲ 0.50% · 4.625%
HK$30,485
+HK$1,526/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,918/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,636
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,558
−HK$936/mo
Today · 4.125%
HK$31,494
baseline
▲ 0.50% · 4.625%
HK$33,411
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,988/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,969
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$897/mo
Today · 4.125%
HK$34,751
baseline
▲ 0.50% · 4.625%
HK$36,582
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,502/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,575
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,651
−HK$1,092/mo
Today · 4.125%
HK$36,743
baseline
▲ 0.50% · 4.625%
HK$38,979
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,486/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,464
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,496
−HK$1,047/mo
Today · 4.125%
HK$40,543
baseline
▲ 0.50% · 4.625%
HK$42,680
+HK$2,137/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,086/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,454
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,836
−HK$1,405/mo
Today · 4.125%
HK$47,241
baseline
▲ 0.50% · 4.625%
HK$50,116
+HK$2,875/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,482/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,454
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,781
−HK$1,345/mo
Today · 4.125%
HK$52,126
baseline
▲ 0.50% · 4.625%
HK$54,874
+HK$2,748/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,252/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,147 · Scale 2, in force from 26 Feb 2026)