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$24,715
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,484
−HK$781/mo
Today · 4.125%
HK$26,265
baseline
▲ 0.50% · 4.625%
HK$27,863
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,530/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,495
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,233
−HK$748/mo
Today · 4.125%
HK$28,981
baseline
▲ 0.50% · 4.625%
HK$30,508
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,962/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,658
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,581
−HK$937/mo
Today · 4.125%
HK$31,518
baseline
▲ 0.50% · 4.625%
HK$33,436
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$63,036/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,994
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,879
−HK$898/mo
Today · 4.125%
HK$34,777
baseline
▲ 0.50% · 4.625%
HK$36,610
+HK$1,833/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$69,554/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,601
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,677
−HK$1,094/mo
Today · 4.125%
HK$36,771
baseline
▲ 0.50% · 4.625%
HK$39,008
+HK$2,237/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,542/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,493
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,526
−HK$1,047/mo
Today · 4.125%
HK$40,573
baseline
▲ 0.50% · 4.625%
HK$42,712
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,146/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,487
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,871
−HK$1,406/mo
Today · 4.125%
HK$47,277
baseline
▲ 0.50% · 4.625%
HK$50,154
+HK$2,877/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,554/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,492
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,819
−HK$1,346/mo
Today · 4.125%
HK$52,165
baseline
▲ 0.50% · 4.625%
HK$54,915
+HK$2,750/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,330/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,454 · Scale 2, in force from 26 Feb 2026)