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$24,721
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,490
−HK$781/mo
Today · 4.125%
HK$26,271
baseline
▲ 0.50% · 4.625%
HK$27,869
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,542/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,501
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,239
−HK$748/mo
Today · 4.125%
HK$28,987
baseline
▲ 0.50% · 4.625%
HK$30,515
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,974/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,665
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,588
−HK$937/mo
Today · 4.125%
HK$31,525
baseline
▲ 0.50% · 4.625%
HK$33,443
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$63,050/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,002
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,887
−HK$898/mo
Today · 4.125%
HK$34,785
baseline
▲ 0.50% · 4.625%
HK$36,618
+HK$1,833/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$69,570/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,609
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,685
−HK$1,094/mo
Today · 4.125%
HK$36,779
baseline
▲ 0.50% · 4.625%
HK$39,017
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,558/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,502
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,535
−HK$1,047/mo
Today · 4.125%
HK$40,582
baseline
▲ 0.50% · 4.625%
HK$42,721
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,164/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,497
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,881
−HK$1,407/mo
Today · 4.125%
HK$47,288
baseline
▲ 0.50% · 4.625%
HK$50,165
+HK$2,877/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,576/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,503
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,830
−HK$1,347/mo
Today · 4.125%
HK$52,177
baseline
▲ 0.50% · 4.625%
HK$54,927
+HK$2,750/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,354/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,545 · Scale 2, in force from 26 Feb 2026)