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$24,858
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,631
−HK$785/mo
Today · 4.125%
HK$26,416
baseline
▲ 0.50% · 4.625%
HK$28,024
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,832/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,654
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,395
−HK$753/mo
Today · 4.125%
HK$29,148
baseline
▲ 0.50% · 4.625%
HK$30,684
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,296/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,829
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,757
−HK$943/mo
Today · 4.125%
HK$31,700
baseline
▲ 0.50% · 4.625%
HK$33,628
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,400/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,184
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,074
−HK$903/mo
Today · 4.125%
HK$34,977
baseline
▲ 0.50% · 4.625%
HK$36,821
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,954/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,801
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,883
−HK$1,100/mo
Today · 4.125%
HK$36,983
baseline
▲ 0.50% · 4.625%
HK$39,233
+HK$2,250/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,966/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,715
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,754
−HK$1,053/mo
Today · 4.125%
HK$40,807
baseline
▲ 0.50% · 4.625%
HK$42,958
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,614/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,744
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,135
−HK$1,414/mo
Today · 4.125%
HK$47,549
baseline
▲ 0.50% · 4.625%
HK$50,443
+HK$2,894/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,098/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,777
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,112
−HK$1,354/mo
Today · 4.125%
HK$52,466
baseline
▲ 0.50% · 4.625%
HK$55,232
+HK$2,766/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,932/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,795 · Scale 2, in force from 26 Feb 2026)