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$24,833
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,606
−HK$785/mo
Today · 4.125%
HK$26,391
baseline
▲ 0.50% · 4.625%
HK$27,996
+HK$1,605/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,782/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,627
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,368
−HK$751/mo
Today · 4.125%
HK$29,119
baseline
▲ 0.50% · 4.625%
HK$30,654
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,238/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,800
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,727
−HK$942/mo
Today · 4.125%
HK$31,669
baseline
▲ 0.50% · 4.625%
HK$33,596
+HK$1,927/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$63,338/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,152
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,041
−HK$902/mo
Today · 4.125%
HK$34,943
baseline
▲ 0.50% · 4.625%
HK$36,785
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$69,886/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,767
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,848
−HK$1,099/mo
Today · 4.125%
HK$36,947
baseline
▲ 0.50% · 4.625%
HK$39,195
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,894/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,678
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,715
−HK$1,052/mo
Today · 4.125%
HK$40,767
baseline
▲ 0.50% · 4.625%
HK$42,916
+HK$2,149/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,534/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,700
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,090
−HK$1,413/mo
Today · 4.125%
HK$47,503
baseline
▲ 0.50% · 4.625%
HK$50,393
+HK$2,890/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$95,006/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,728
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,062
−HK$1,353/mo
Today · 4.125%
HK$52,415
baseline
▲ 0.50% · 4.625%
HK$55,178
+HK$2,763/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,830/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,397 · Scale 2, in force from 26 Feb 2026)