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$24,829
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,602
−HK$784/mo
Today · 4.125%
HK$26,386
baseline
▲ 0.50% · 4.625%
HK$27,992
+HK$1,606/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,772/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,622
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,363
−HK$752/mo
Today · 4.125%
HK$29,115
baseline
▲ 0.50% · 4.625%
HK$30,649
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,230/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,795
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,722
−HK$942/mo
Today · 4.125%
HK$31,664
baseline
▲ 0.50% · 4.625%
HK$33,590
+HK$1,926/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$63,328/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,147
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,036
−HK$902/mo
Today · 4.125%
HK$34,938
baseline
▲ 0.50% · 4.625%
HK$36,779
+HK$1,841/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$69,876/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,761
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,842
−HK$1,099/mo
Today · 4.125%
HK$36,941
baseline
▲ 0.50% · 4.625%
HK$39,189
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,882/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,671
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,708
−HK$1,053/mo
Today · 4.125%
HK$40,761
baseline
▲ 0.50% · 4.625%
HK$42,909
+HK$2,148/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,522/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,693
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,083
−HK$1,412/mo
Today · 4.125%
HK$47,495
baseline
▲ 0.50% · 4.625%
HK$50,385
+HK$2,890/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,990/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,720
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,054
−HK$1,352/mo
Today · 4.125%
HK$52,406
baseline
▲ 0.50% · 4.625%
HK$55,169
+HK$2,763/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,812/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,331 · Scale 2, in force from 26 Feb 2026)