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$24,815
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,587
−HK$784/mo
Today · 4.125%
HK$26,371
baseline
▲ 0.50% · 4.625%
HK$27,975
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,742/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,606
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,347
−HK$751/mo
Today · 4.125%
HK$29,098
baseline
▲ 0.50% · 4.625%
HK$30,631
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,196/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,778
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,704
−HK$941/mo
Today · 4.125%
HK$31,645
baseline
▲ 0.50% · 4.625%
HK$33,571
+HK$1,926/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,290/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,127
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,016
−HK$901/mo
Today · 4.125%
HK$34,917
baseline
▲ 0.50% · 4.625%
HK$36,758
+HK$1,841/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,834/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,741
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,821
−HK$1,098/mo
Today · 4.125%
HK$36,919
baseline
▲ 0.50% · 4.625%
HK$39,166
+HK$2,247/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,838/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,649
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,685
−HK$1,052/mo
Today · 4.125%
HK$40,737
baseline
▲ 0.50% · 4.625%
HK$42,884
+HK$2,147/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,474/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,666
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,056
−HK$1,411/mo
Today · 4.125%
HK$47,467
baseline
▲ 0.50% · 4.625%
HK$50,356
+HK$2,889/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,934/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,691
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,024
−HK$1,352/mo
Today · 4.125%
HK$52,376
baseline
▲ 0.50% · 4.625%
HK$55,136
+HK$2,760/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,752/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,091 · Scale 2, in force from 26 Feb 2026)