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$24,727
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,496
−HK$782/mo
Today · 4.125%
HK$26,278
baseline
▲ 0.50% · 4.625%
HK$27,877
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,556/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,509
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,247
−HK$748/mo
Today · 4.125%
HK$28,995
baseline
▲ 0.50% · 4.625%
HK$30,523
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,990/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,673
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,596
−HK$937/mo
Today · 4.125%
HK$31,533
baseline
▲ 0.50% · 4.625%
HK$33,452
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,066/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,011
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,896
−HK$898/mo
Today · 4.125%
HK$34,794
baseline
▲ 0.50% · 4.625%
HK$36,628
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,588/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,618
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,695
−HK$1,094/mo
Today · 4.125%
HK$36,789
baseline
▲ 0.50% · 4.625%
HK$39,028
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,578/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,512
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,545
−HK$1,048/mo
Today · 4.125%
HK$40,593
baseline
▲ 0.50% · 4.625%
HK$42,733
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,186/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,509
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,894
−HK$1,406/mo
Today · 4.125%
HK$47,300
baseline
▲ 0.50% · 4.625%
HK$50,178
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,600/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,516
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,844
−HK$1,347/mo
Today · 4.125%
HK$52,191
baseline
▲ 0.50% · 4.625%
HK$54,942
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,382/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,653 · Scale 2, in force from 26 Feb 2026)