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$24,839
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,612
−HK$785/mo
Today · 4.125%
HK$26,397
baseline
▲ 0.50% · 4.625%
HK$28,003
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,794/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,633
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,375
−HK$751/mo
Today · 4.125%
HK$29,126
baseline
▲ 0.50% · 4.625%
HK$30,662
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,252/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,807
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,734
−HK$942/mo
Today · 4.125%
HK$31,676
baseline
▲ 0.50% · 4.625%
HK$33,604
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,352/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,160
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,049
−HK$903/mo
Today · 4.125%
HK$34,952
baseline
▲ 0.50% · 4.625%
HK$36,794
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,904/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,775
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,857
−HK$1,099/mo
Today · 4.125%
HK$36,956
baseline
▲ 0.50% · 4.625%
HK$39,204
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,912/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,687
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,724
−HK$1,053/mo
Today · 4.125%
HK$40,777
baseline
▲ 0.50% · 4.625%
HK$42,926
+HK$2,149/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,554/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,711
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,101
−HK$1,413/mo
Today · 4.125%
HK$47,514
baseline
▲ 0.50% · 4.625%
HK$50,406
+HK$2,892/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$95,028/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,740
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,074
−HK$1,353/mo
Today · 4.125%
HK$52,427
baseline
▲ 0.50% · 4.625%
HK$55,191
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,854/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,495 · Scale 2, in force from 26 Feb 2026)