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$24,873
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,647
−HK$786/mo
Today · 4.125%
HK$26,433
baseline
▲ 0.50% · 4.625%
HK$28,042
+HK$1,609/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,866/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,671
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,414
−HK$752/mo
Today · 4.125%
HK$29,166
baseline
▲ 0.50% · 4.625%
HK$30,704
+HK$1,538/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,332/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,848
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,777
−HK$943/mo
Today · 4.125%
HK$31,720
baseline
▲ 0.50% · 4.625%
HK$33,650
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,440/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,206
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,096
−HK$904/mo
Today · 4.125%
HK$35,000
baseline
▲ 0.50% · 4.625%
HK$36,845
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$70,000/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,823
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,906
−HK$1,100/mo
Today · 4.125%
HK$37,006
baseline
▲ 0.50% · 4.625%
HK$39,258
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,012/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,740
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,779
−HK$1,054/mo
Today · 4.125%
HK$40,833
baseline
▲ 0.50% · 4.625%
HK$42,985
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,666/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,772
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,165
−HK$1,415/mo
Today · 4.125%
HK$47,580
baseline
▲ 0.50% · 4.625%
HK$50,475
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,160/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,809
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,144
−HK$1,356/mo
Today · 4.125%
HK$52,500
baseline
▲ 0.50% · 4.625%
HK$55,267
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,000/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,056 · Scale 2, in force from 26 Feb 2026)