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$24,853
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,627
−HK$785/mo
Today · 4.125%
HK$26,412
baseline
▲ 0.50% · 4.625%
HK$28,019
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,824/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,649
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,391
−HK$752/mo
Today · 4.125%
HK$29,143
baseline
▲ 0.50% · 4.625%
HK$30,679
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,286/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,824
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,752
−HK$942/mo
Today · 4.125%
HK$31,694
baseline
▲ 0.50% · 4.625%
HK$33,623
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,388/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,179
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,069
−HK$903/mo
Today · 4.125%
HK$34,972
baseline
▲ 0.50% · 4.625%
HK$36,815
+HK$1,843/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,944/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,795
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,877
−HK$1,100/mo
Today · 4.125%
HK$36,977
baseline
▲ 0.50% · 4.625%
HK$39,227
+HK$2,250/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,954/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,709
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,747
−HK$1,053/mo
Today · 4.125%
HK$40,800
baseline
▲ 0.50% · 4.625%
HK$42,951
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,600/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,736
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,128
−HK$1,414/mo
Today · 4.125%
HK$47,542
baseline
▲ 0.50% · 4.625%
HK$50,434
+HK$2,892/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,084/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,769
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,103
−HK$1,354/mo
Today · 4.125%
HK$52,457
baseline
▲ 0.50% · 4.625%
HK$55,223
+HK$2,766/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,914/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,728 · Scale 2, in force from 26 Feb 2026)