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$24,698
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,466
−HK$781/mo
Today · 4.125%
HK$26,247
baseline
▲ 0.50% · 4.625%
HK$27,844
+HK$1,597/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,494/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,476
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,213
−HK$748/mo
Today · 4.125%
HK$28,961
baseline
▲ 0.50% · 4.625%
HK$30,488
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,922/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,638
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,560
−HK$936/mo
Today · 4.125%
HK$31,496
baseline
▲ 0.50% · 4.625%
HK$33,413
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,992/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,972
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,856
−HK$897/mo
Today · 4.125%
HK$34,753
baseline
▲ 0.50% · 4.625%
HK$36,585
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,506/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,577
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,653
−HK$1,093/mo
Today · 4.125%
HK$36,746
baseline
▲ 0.50% · 4.625%
HK$38,982
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,492/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,467
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,499
−HK$1,046/mo
Today · 4.125%
HK$40,545
baseline
▲ 0.50% · 4.625%
HK$42,683
+HK$2,138/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,090/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,457
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,840
−HK$1,405/mo
Today · 4.125%
HK$47,245
baseline
▲ 0.50% · 4.625%
HK$50,119
+HK$2,874/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,490/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,458
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,784
−HK$1,346/mo
Today · 4.125%
HK$52,130
baseline
▲ 0.50% · 4.625%
HK$54,878
+HK$2,748/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,260/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,175 · Scale 2, in force from 26 Feb 2026)