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$24,710
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,478
−HK$781/mo
Today · 4.125%
HK$26,259
baseline
▲ 0.50% · 4.625%
HK$27,857
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,518/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,489
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,227
−HK$748/mo
Today · 4.125%
HK$28,975
baseline
▲ 0.50% · 4.625%
HK$30,502
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,950/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,652
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,574
−HK$937/mo
Today · 4.125%
HK$31,511
baseline
▲ 0.50% · 4.625%
HK$33,429
+HK$1,918/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,022/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,987
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,872
−HK$898/mo
Today · 4.125%
HK$34,770
baseline
▲ 0.50% · 4.625%
HK$36,602
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,540/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,594
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,670
−HK$1,093/mo
Today · 4.125%
HK$36,763
baseline
▲ 0.50% · 4.625%
HK$39,000
+HK$2,237/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,526/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,485
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,517
−HK$1,047/mo
Today · 4.125%
HK$40,564
baseline
▲ 0.50% · 4.625%
HK$42,703
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,128/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,478
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,861
−HK$1,406/mo
Today · 4.125%
HK$47,267
baseline
▲ 0.50% · 4.625%
HK$50,143
+HK$2,876/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,534/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,481
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,808
−HK$1,346/mo
Today · 4.125%
HK$52,154
baseline
▲ 0.50% · 4.625%
HK$54,903
+HK$2,749/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,308/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,367 · Scale 2, in force from 26 Feb 2026)