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$24,690
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,458
−HK$780/mo
Today · 4.125%
HK$26,238
baseline
▲ 0.50% · 4.625%
HK$27,835
+HK$1,597/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,476/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,467
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,204
−HK$747/mo
Today · 4.125%
HK$28,951
baseline
▲ 0.50% · 4.625%
HK$30,477
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,902/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,628
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,549
−HK$937/mo
Today · 4.125%
HK$31,486
baseline
▲ 0.50% · 4.625%
HK$33,402
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,972/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,961
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,845
−HK$896/mo
Today · 4.125%
HK$34,741
baseline
▲ 0.50% · 4.625%
HK$36,573
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,482/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,566
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,641
−HK$1,092/mo
Today · 4.125%
HK$36,733
baseline
▲ 0.50% · 4.625%
HK$38,969
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,466/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,454
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,485
−HK$1,047/mo
Today · 4.125%
HK$40,532
baseline
▲ 0.50% · 4.625%
HK$42,668
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,064/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,442
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,824
−HK$1,405/mo
Today · 4.125%
HK$47,229
baseline
▲ 0.50% · 4.625%
HK$50,102
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,458/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,441
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,767
−HK$1,345/mo
Today · 4.125%
HK$52,112
baseline
▲ 0.50% · 4.625%
HK$54,859
+HK$2,747/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,224/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,039 · Scale 2, in force from 26 Feb 2026)