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$24,836
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,609
−HK$785/mo
Today · 4.125%
HK$26,394
baseline
▲ 0.50% · 4.625%
HK$28,000
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,788/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,630
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,371
−HK$752/mo
Today · 4.125%
HK$29,123
baseline
▲ 0.50% · 4.625%
HK$30,658
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,246/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,804
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,731
−HK$942/mo
Today · 4.125%
HK$31,673
baseline
▲ 0.50% · 4.625%
HK$33,600
+HK$1,927/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,346/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,156
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,046
−HK$902/mo
Today · 4.125%
HK$34,948
baseline
▲ 0.50% · 4.625%
HK$36,790
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,896/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,771
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,853
−HK$1,098/mo
Today · 4.125%
HK$36,951
baseline
▲ 0.50% · 4.625%
HK$39,200
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,902/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,682
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,720
−HK$1,052/mo
Today · 4.125%
HK$40,772
baseline
▲ 0.50% · 4.625%
HK$42,921
+HK$2,149/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,544/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,706
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,096
−HK$1,413/mo
Today · 4.125%
HK$47,509
baseline
▲ 0.50% · 4.625%
HK$50,400
+HK$2,891/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$95,018/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,734
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,068
−HK$1,353/mo
Today · 4.125%
HK$52,421
baseline
▲ 0.50% · 4.625%
HK$55,185
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,842/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,448 · Scale 2, in force from 26 Feb 2026)