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$24,852
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,625
−HK$786/mo
Today · 4.125%
HK$26,411
baseline
▲ 0.50% · 4.625%
HK$28,018
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,822/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,648
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,389
−HK$753/mo
Today · 4.125%
HK$29,142
baseline
▲ 0.50% · 4.625%
HK$30,678
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,284/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,823
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,750
−HK$943/mo
Today · 4.125%
HK$31,693
baseline
▲ 0.50% · 4.625%
HK$33,621
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,386/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,177
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,067
−HK$903/mo
Today · 4.125%
HK$34,970
baseline
▲ 0.50% · 4.625%
HK$36,813
+HK$1,843/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,940/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,793
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,875
−HK$1,100/mo
Today · 4.125%
HK$36,975
baseline
▲ 0.50% · 4.625%
HK$39,225
+HK$2,250/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,950/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,707
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,745
−HK$1,053/mo
Today · 4.125%
HK$40,798
baseline
▲ 0.50% · 4.625%
HK$42,949
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,596/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,734
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,125
−HK$1,414/mo
Today · 4.125%
HK$47,539
baseline
▲ 0.50% · 4.625%
HK$50,432
+HK$2,893/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,078/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,766
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,101
−HK$1,354/mo
Today · 4.125%
HK$52,455
baseline
▲ 0.50% · 4.625%
HK$55,220
+HK$2,765/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,910/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,708 · Scale 2, in force from 26 Feb 2026)