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$24,823
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,595
−HK$784/mo
Today · 4.125%
HK$26,379
baseline
▲ 0.50% · 4.625%
HK$27,985
+HK$1,606/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,758/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,615
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,356
−HK$751/mo
Today · 4.125%
HK$29,107
baseline
▲ 0.50% · 4.625%
HK$30,641
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,214/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,787
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,714
−HK$941/mo
Today · 4.125%
HK$31,655
baseline
▲ 0.50% · 4.625%
HK$33,582
+HK$1,927/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,310/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,138
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,027
−HK$902/mo
Today · 4.125%
HK$34,929
baseline
▲ 0.50% · 4.625%
HK$36,770
+HK$1,841/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,858/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,752
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,833
−HK$1,098/mo
Today · 4.125%
HK$36,931
baseline
▲ 0.50% · 4.625%
HK$39,178
+HK$2,247/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,862/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,661
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,698
−HK$1,052/mo
Today · 4.125%
HK$40,750
baseline
▲ 0.50% · 4.625%
HK$42,898
+HK$2,148/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,500/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,681
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,071
−HK$1,412/mo
Today · 4.125%
HK$47,483
baseline
▲ 0.50% · 4.625%
HK$50,372
+HK$2,889/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,966/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,707
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,040
−HK$1,353/mo
Today · 4.125%
HK$52,393
baseline
▲ 0.50% · 4.625%
HK$55,155
+HK$2,762/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,786/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,225 · Scale 2, in force from 26 Feb 2026)