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$24,827
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,600
−HK$784/mo
Today · 4.125%
HK$26,384
baseline
▲ 0.50% · 4.625%
HK$27,990
+HK$1,606/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,768/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,620
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,361
−HK$752/mo
Today · 4.125%
HK$29,113
baseline
▲ 0.50% · 4.625%
HK$30,647
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,226/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,793
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,720
−HK$941/mo
Today · 4.125%
HK$31,661
baseline
▲ 0.50% · 4.625%
HK$33,588
+HK$1,927/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$63,322/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,144
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,033
−HK$902/mo
Today · 4.125%
HK$34,935
baseline
▲ 0.50% · 4.625%
HK$36,777
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$69,870/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,758
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,840
−HK$1,098/mo
Today · 4.125%
HK$36,938
baseline
▲ 0.50% · 4.625%
HK$39,186
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,876/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,668
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,706
−HK$1,052/mo
Today · 4.125%
HK$40,758
baseline
▲ 0.50% · 4.625%
HK$42,906
+HK$2,148/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,516/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,689
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,080
−HK$1,412/mo
Today · 4.125%
HK$47,492
baseline
▲ 0.50% · 4.625%
HK$50,382
+HK$2,890/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,984/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,717
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,050
−HK$1,353/mo
Today · 4.125%
HK$52,403
baseline
▲ 0.50% · 4.625%
HK$55,165
+HK$2,762/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,806/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,302 · Scale 2, in force from 26 Feb 2026)