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$24,691
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,459
−HK$780/mo
Today · 4.125%
HK$26,239
baseline
▲ 0.50% · 4.625%
HK$27,836
+HK$1,597/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,478/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,468
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,205
−HK$747/mo
Today · 4.125%
HK$28,952
baseline
▲ 0.50% · 4.625%
HK$30,479
+HK$1,527/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,904/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,629
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,551
−HK$936/mo
Today · 4.125%
HK$31,487
baseline
▲ 0.50% · 4.625%
HK$33,403
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,974/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,962
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,846
−HK$897/mo
Today · 4.125%
HK$34,743
baseline
▲ 0.50% · 4.625%
HK$36,574
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,486/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,567
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,643
−HK$1,092/mo
Today · 4.125%
HK$36,735
baseline
▲ 0.50% · 4.625%
HK$38,970
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,470/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,456
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,487
−HK$1,046/mo
Today · 4.125%
HK$40,533
baseline
▲ 0.50% · 4.625%
HK$42,670
+HK$2,137/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,066/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,444
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,826
−HK$1,405/mo
Today · 4.125%
HK$47,231
baseline
▲ 0.50% · 4.625%
HK$50,105
+HK$2,874/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,462/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,443
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,769
−HK$1,345/mo
Today · 4.125%
HK$52,114
baseline
▲ 0.50% · 4.625%
HK$54,861
+HK$2,747/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,228/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,055 · Scale 2, in force from 26 Feb 2026)