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$24,855
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,628
−HK$785/mo
Today · 4.125%
HK$26,413
baseline
▲ 0.50% · 4.625%
HK$28,020
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,826/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,650
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,392
−HK$752/mo
Today · 4.125%
HK$29,144
baseline
▲ 0.50% · 4.625%
HK$30,681
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,288/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,825
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,753
−HK$943/mo
Today · 4.125%
HK$31,696
baseline
▲ 0.50% · 4.625%
HK$33,624
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,392/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,181
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,070
−HK$903/mo
Today · 4.125%
HK$34,973
baseline
▲ 0.50% · 4.625%
HK$36,817
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,946/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,796
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,879
−HK$1,099/mo
Today · 4.125%
HK$36,978
baseline
▲ 0.50% · 4.625%
HK$39,229
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,956/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,711
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,749
−HK$1,053/mo
Today · 4.125%
HK$40,802
baseline
▲ 0.50% · 4.625%
HK$42,953
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,604/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,738
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,130
−HK$1,414/mo
Today · 4.125%
HK$47,544
baseline
▲ 0.50% · 4.625%
HK$50,437
+HK$2,893/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,088/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,771
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,106
−HK$1,354/mo
Today · 4.125%
HK$52,460
baseline
▲ 0.50% · 4.625%
HK$55,225
+HK$2,765/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,920/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,747 · Scale 2, in force from 26 Feb 2026)