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$1,551/mo
▼ 0.25% · 3.875%
HK$25,490
−HK$782/mo
Today · 4.125%
HK$26,272
baseline
▲ 0.50% · 4.625%
HK$27,870
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,544/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,502
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,240
−HK$748/mo
Today · 4.125%
HK$28,988
baseline
▲ 0.50% · 4.625%
HK$30,516
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,976/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,666
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,588
−HK$938/mo
Today · 4.125%
HK$31,526
baseline
▲ 0.50% · 4.625%
HK$33,444
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$63,052/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,003
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,888
−HK$898/mo
Today · 4.125%
HK$34,786
baseline
▲ 0.50% · 4.625%
HK$36,619
+HK$1,833/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$69,572/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,610
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,687
−HK$1,093/mo
Today · 4.125%
HK$36,780
baseline
▲ 0.50% · 4.625%
HK$39,018
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,560/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,503
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,536
−HK$1,047/mo
Today · 4.125%
HK$40,583
baseline
▲ 0.50% · 4.625%
HK$42,723
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,166/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,499
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,883
−HK$1,406/mo
Today · 4.125%
HK$47,289
baseline
▲ 0.50% · 4.625%
HK$50,166
+HK$2,877/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,578/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,504
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,832
−HK$1,347/mo
Today · 4.125%
HK$52,179
baseline
▲ 0.50% · 4.625%
HK$54,929
+HK$2,750/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,358/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,557 · Scale 2, in force from 26 Feb 2026)