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$24,865
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,639
−HK$785/mo
Today · 4.125%
HK$26,424
baseline
▲ 0.50% · 4.625%
HK$28,032
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,848/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,662
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,404
−HK$753/mo
Today · 4.125%
HK$29,157
baseline
▲ 0.50% · 4.625%
HK$30,694
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,314/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,838
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,766
−HK$943/mo
Today · 4.125%
HK$31,709
baseline
▲ 0.50% · 4.625%
HK$33,639
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,418/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,195
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,085
−HK$903/mo
Today · 4.125%
HK$34,988
baseline
▲ 0.50% · 4.625%
HK$36,832
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,976/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,811
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,894
−HK$1,100/mo
Today · 4.125%
HK$36,994
baseline
▲ 0.50% · 4.625%
HK$39,245
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,988/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,727
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,766
−HK$1,053/mo
Today · 4.125%
HK$40,819
baseline
▲ 0.50% · 4.625%
HK$42,971
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,638/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,757
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,149
−HK$1,415/mo
Today · 4.125%
HK$47,564
baseline
▲ 0.50% · 4.625%
HK$50,458
+HK$2,894/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,128/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,792
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,127
−HK$1,355/mo
Today · 4.125%
HK$52,482
baseline
▲ 0.50% · 4.625%
HK$55,248
+HK$2,766/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,964/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,920 · Scale 2, in force from 26 Feb 2026)