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$24,831
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,603
−HK$785/mo
Today · 4.125%
HK$26,388
baseline
▲ 0.50% · 4.625%
HK$27,993
+HK$1,605/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,776/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,624
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,365
−HK$751/mo
Today · 4.125%
HK$29,116
baseline
▲ 0.50% · 4.625%
HK$30,651
+HK$1,535/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,232/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,797
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,724
−HK$941/mo
Today · 4.125%
HK$31,665
baseline
▲ 0.50% · 4.625%
HK$33,592
+HK$1,927/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$63,330/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,149
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,038
−HK$902/mo
Today · 4.125%
HK$34,940
baseline
▲ 0.50% · 4.625%
HK$36,781
+HK$1,841/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$69,880/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,763
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,844
−HK$1,099/mo
Today · 4.125%
HK$36,943
baseline
▲ 0.50% · 4.625%
HK$39,191
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,886/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,673
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,711
−HK$1,052/mo
Today · 4.125%
HK$40,763
baseline
▲ 0.50% · 4.625%
HK$42,911
+HK$2,148/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,526/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,695
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,085
−HK$1,413/mo
Today · 4.125%
HK$47,498
baseline
▲ 0.50% · 4.625%
HK$50,388
+HK$2,890/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,996/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,723
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,057
−HK$1,352/mo
Today · 4.125%
HK$52,409
baseline
▲ 0.50% · 4.625%
HK$55,172
+HK$2,763/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,818/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,354 · Scale 2, in force from 26 Feb 2026)