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$24,813
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,585
−HK$784/mo
Today · 4.125%
HK$26,369
baseline
▲ 0.50% · 4.625%
HK$27,974
+HK$1,605/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,738/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,604
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,345
−HK$751/mo
Today · 4.125%
HK$29,096
baseline
▲ 0.50% · 4.625%
HK$30,629
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,192/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,776
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,702
−HK$941/mo
Today · 4.125%
HK$31,643
baseline
▲ 0.50% · 4.625%
HK$33,568
+HK$1,925/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,286/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,125
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,014
−HK$901/mo
Today · 4.125%
HK$34,915
baseline
▲ 0.50% · 4.625%
HK$36,755
+HK$1,840/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,830/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,738
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,819
−HK$1,098/mo
Today · 4.125%
HK$36,917
baseline
▲ 0.50% · 4.625%
HK$39,163
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,834/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,646
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,683
−HK$1,051/mo
Today · 4.125%
HK$40,734
baseline
▲ 0.50% · 4.625%
HK$42,881
+HK$2,147/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,468/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,664
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,053
−HK$1,411/mo
Today · 4.125%
HK$47,464
baseline
▲ 0.50% · 4.625%
HK$50,352
+HK$2,888/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,928/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,688
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,020
−HK$1,352/mo
Today · 4.125%
HK$52,372
baseline
▲ 0.50% · 4.625%
HK$55,133
+HK$2,761/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,744/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,065 · Scale 2, in force from 26 Feb 2026)