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$24,817
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,589
−HK$784/mo
Today · 4.125%
HK$26,373
baseline
▲ 0.50% · 4.625%
HK$27,978
+HK$1,605/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,746/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,609
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,349
−HK$752/mo
Today · 4.125%
HK$29,101
baseline
▲ 0.50% · 4.625%
HK$30,634
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,202/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,781
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,707
−HK$941/mo
Today · 4.125%
HK$31,648
baseline
▲ 0.50% · 4.625%
HK$33,574
+HK$1,926/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,296/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,131
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,019
−HK$902/mo
Today · 4.125%
HK$34,921
baseline
▲ 0.50% · 4.625%
HK$36,761
+HK$1,840/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,842/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,744
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,825
−HK$1,098/mo
Today · 4.125%
HK$36,923
baseline
▲ 0.50% · 4.625%
HK$39,170
+HK$2,247/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,846/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,652
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,689
−HK$1,052/mo
Today · 4.125%
HK$40,741
baseline
▲ 0.50% · 4.625%
HK$42,888
+HK$2,147/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,482/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,671
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,061
−HK$1,411/mo
Today · 4.125%
HK$47,472
baseline
▲ 0.50% · 4.625%
HK$50,361
+HK$2,889/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,944/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,696
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,029
−HK$1,352/mo
Today · 4.125%
HK$52,381
baseline
▲ 0.50% · 4.625%
HK$55,142
+HK$2,761/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,762/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,133 · Scale 2, in force from 26 Feb 2026)