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$24,847
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,620
−HK$786/mo
Today · 4.125%
HK$26,406
baseline
▲ 0.50% · 4.625%
HK$28,012
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,812/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,642
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,384
−HK$752/mo
Today · 4.125%
HK$29,136
baseline
▲ 0.50% · 4.625%
HK$30,672
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,272/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,817
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,744
−HK$943/mo
Today · 4.125%
HK$31,687
baseline
▲ 0.50% · 4.625%
HK$33,615
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,374/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,171
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,061
−HK$902/mo
Today · 4.125%
HK$34,963
baseline
▲ 0.50% · 4.625%
HK$36,806
+HK$1,843/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,926/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,786
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,868
−HK$1,100/mo
Today · 4.125%
HK$36,968
baseline
▲ 0.50% · 4.625%
HK$39,217
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,936/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,699
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,737
−HK$1,053/mo
Today · 4.125%
HK$40,790
baseline
▲ 0.50% · 4.625%
HK$42,940
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,580/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,725
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,117
−HK$1,413/mo
Today · 4.125%
HK$47,530
baseline
▲ 0.50% · 4.625%
HK$50,422
+HK$2,892/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,060/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,756
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,091
−HK$1,354/mo
Today · 4.125%
HK$52,445
baseline
▲ 0.50% · 4.625%
HK$55,209
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,890/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,629 · Scale 2, in force from 26 Feb 2026)