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$24,703
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,471
−HK$781/mo
Today · 4.125%
HK$26,252
baseline
▲ 0.50% · 4.625%
HK$27,849
+HK$1,597/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,504/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,482
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,219
−HK$747/mo
Today · 4.125%
HK$28,966
baseline
▲ 0.50% · 4.625%
HK$30,493
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,932/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,643
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,565
−HK$937/mo
Today · 4.125%
HK$31,502
baseline
▲ 0.50% · 4.625%
HK$33,419
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,004/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,978
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,862
−HK$898/mo
Today · 4.125%
HK$34,760
baseline
▲ 0.50% · 4.625%
HK$36,592
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,520/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,584
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,660
−HK$1,093/mo
Today · 4.125%
HK$36,753
baseline
▲ 0.50% · 4.625%
HK$38,989
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,506/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,474
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,506
−HK$1,047/mo
Today · 4.125%
HK$40,553
baseline
▲ 0.50% · 4.625%
HK$42,690
+HK$2,137/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,106/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,465
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,848
−HK$1,405/mo
Today · 4.125%
HK$47,253
baseline
▲ 0.50% · 4.625%
HK$50,129
+HK$2,876/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,506/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,467
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,793
−HK$1,346/mo
Today · 4.125%
HK$52,139
baseline
▲ 0.50% · 4.625%
HK$54,888
+HK$2,749/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,278/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,250 · Scale 2, in force from 26 Feb 2026)