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$24,728
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,497
−HK$782/mo
Today · 4.125%
HK$26,279
baseline
▲ 0.50% · 4.625%
HK$27,878
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,558/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,510
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,247
−HK$749/mo
Today · 4.125%
HK$28,996
baseline
▲ 0.50% · 4.625%
HK$30,524
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,992/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,674
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,597
−HK$937/mo
Today · 4.125%
HK$31,534
baseline
▲ 0.50% · 4.625%
HK$33,453
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,068/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,012
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,897
−HK$898/mo
Today · 4.125%
HK$34,795
baseline
▲ 0.50% · 4.625%
HK$36,629
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,590/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,619
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,696
−HK$1,094/mo
Today · 4.125%
HK$36,790
baseline
▲ 0.50% · 4.625%
HK$39,029
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,580/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,514
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,546
−HK$1,048/mo
Today · 4.125%
HK$40,594
baseline
▲ 0.50% · 4.625%
HK$42,734
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,188/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,510
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,895
−HK$1,407/mo
Today · 4.125%
HK$47,302
baseline
▲ 0.50% · 4.625%
HK$50,180
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,604/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,517
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,845
−HK$1,348/mo
Today · 4.125%
HK$52,193
baseline
▲ 0.50% · 4.625%
HK$54,944
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,386/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,666 · Scale 2, in force from 26 Feb 2026)