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$24,866
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,640
−HK$786/mo
Today · 4.125%
HK$26,426
baseline
▲ 0.50% · 4.625%
HK$28,034
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,852/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,663
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,405
−HK$753/mo
Today · 4.125%
HK$29,158
baseline
▲ 0.50% · 4.625%
HK$30,695
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,316/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,839
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,768
−HK$943/mo
Today · 4.125%
HK$31,711
baseline
▲ 0.50% · 4.625%
HK$33,640
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,422/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,196
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,086
−HK$904/mo
Today · 4.125%
HK$34,990
baseline
▲ 0.50% · 4.625%
HK$36,834
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,980/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,813
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,896
−HK$1,100/mo
Today · 4.125%
HK$36,996
baseline
▲ 0.50% · 4.625%
HK$39,247
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,992/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,729
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,768
−HK$1,053/mo
Today · 4.125%
HK$40,821
baseline
▲ 0.50% · 4.625%
HK$42,973
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,642/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,759
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,152
−HK$1,414/mo
Today · 4.125%
HK$47,566
baseline
▲ 0.50% · 4.625%
HK$50,460
+HK$2,894/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,132/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,794
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,130
−HK$1,354/mo
Today · 4.125%
HK$52,484
baseline
▲ 0.50% · 4.625%
HK$55,251
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,968/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,939 · Scale 2, in force from 26 Feb 2026)