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$24,706
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,475
−HK$780/mo
Today · 4.125%
HK$26,255
baseline
▲ 0.50% · 4.625%
HK$27,853
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,510/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,485
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,223
−HK$747/mo
Today · 4.125%
HK$28,970
baseline
▲ 0.50% · 4.625%
HK$30,497
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,940/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,647
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,570
−HK$937/mo
Today · 4.125%
HK$31,507
baseline
▲ 0.50% · 4.625%
HK$33,424
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,014/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,982
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,867
−HK$897/mo
Today · 4.125%
HK$34,764
baseline
▲ 0.50% · 4.625%
HK$36,597
+HK$1,833/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,528/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,589
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,665
−HK$1,093/mo
Today · 4.125%
HK$36,758
baseline
▲ 0.50% · 4.625%
HK$38,994
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,516/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,480
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,512
−HK$1,046/mo
Today · 4.125%
HK$40,558
baseline
▲ 0.50% · 4.625%
HK$42,696
+HK$2,138/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,116/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,471
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,854
−HK$1,406/mo
Today · 4.125%
HK$47,260
baseline
▲ 0.50% · 4.625%
HK$50,135
+HK$2,875/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,520/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,474
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,801
−HK$1,346/mo
Today · 4.125%
HK$52,147
baseline
▲ 0.50% · 4.625%
HK$54,895
+HK$2,748/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,294/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,306 · Scale 2, in force from 26 Feb 2026)