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$24,863
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,637
−HK$785/mo
Today · 4.125%
HK$26,422
baseline
▲ 0.50% · 4.625%
HK$28,030
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,844/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,660
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,402
−HK$752/mo
Today · 4.125%
HK$29,154
baseline
▲ 0.50% · 4.625%
HK$30,691
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,308/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,836
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,764
−HK$943/mo
Today · 4.125%
HK$31,707
baseline
▲ 0.50% · 4.625%
HK$33,636
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,414/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,192
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,082
−HK$903/mo
Today · 4.125%
HK$34,985
baseline
▲ 0.50% · 4.625%
HK$36,829
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,970/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,808
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,891
−HK$1,100/mo
Today · 4.125%
HK$36,991
baseline
▲ 0.50% · 4.625%
HK$39,242
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,982/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,724
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,763
−HK$1,053/mo
Today · 4.125%
HK$40,816
baseline
▲ 0.50% · 4.625%
HK$42,968
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,632/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,754
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,146
−HK$1,414/mo
Today · 4.125%
HK$47,560
baseline
▲ 0.50% · 4.625%
HK$50,454
+HK$2,894/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,120/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,788
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,123
−HK$1,355/mo
Today · 4.125%
HK$52,478
baseline
▲ 0.50% · 4.625%
HK$55,244
+HK$2,766/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,956/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,889 · Scale 2, in force from 26 Feb 2026)