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$24,813
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,585
−HK$784/mo
Today · 4.125%
HK$26,369
baseline
▲ 0.50% · 4.625%
HK$27,973
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,738/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,604
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,344
−HK$751/mo
Today · 4.125%
HK$29,095
baseline
▲ 0.50% · 4.625%
HK$30,629
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,190/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,775
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,701
−HK$941/mo
Today · 4.125%
HK$31,642
baseline
▲ 0.50% · 4.625%
HK$33,568
+HK$1,926/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,284/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,125
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,013
−HK$901/mo
Today · 4.125%
HK$34,914
baseline
▲ 0.50% · 4.625%
HK$36,755
+HK$1,841/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,828/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,738
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,818
−HK$1,098/mo
Today · 4.125%
HK$36,916
baseline
▲ 0.50% · 4.625%
HK$39,162
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,832/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,645
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,682
−HK$1,051/mo
Today · 4.125%
HK$40,733
baseline
▲ 0.50% · 4.625%
HK$42,880
+HK$2,147/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,466/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,663
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,052
−HK$1,412/mo
Today · 4.125%
HK$47,464
baseline
▲ 0.50% · 4.625%
HK$50,352
+HK$2,888/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,928/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,687
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,020
−HK$1,351/mo
Today · 4.125%
HK$52,371
baseline
▲ 0.50% · 4.625%
HK$55,132
+HK$2,761/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,742/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,059 · Scale 2, in force from 26 Feb 2026)