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$24,844
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,617
−HK$785/mo
Today · 4.125%
HK$26,402
baseline
▲ 0.50% · 4.625%
HK$28,009
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,804/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,639
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,380
−HK$752/mo
Today · 4.125%
HK$29,132
baseline
▲ 0.50% · 4.625%
HK$30,668
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,264/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,813
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,740
−HK$943/mo
Today · 4.125%
HK$31,683
baseline
▲ 0.50% · 4.625%
HK$33,610
+HK$1,927/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,366/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,167
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,056
−HK$903/mo
Today · 4.125%
HK$34,959
baseline
▲ 0.50% · 4.625%
HK$36,801
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,918/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,782
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,864
−HK$1,099/mo
Today · 4.125%
HK$36,963
baseline
▲ 0.50% · 4.625%
HK$39,212
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,926/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,695
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,732
−HK$1,053/mo
Today · 4.125%
HK$40,785
baseline
▲ 0.50% · 4.625%
HK$42,935
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,570/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,720
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,111
−HK$1,413/mo
Today · 4.125%
HK$47,524
baseline
▲ 0.50% · 4.625%
HK$50,416
+HK$2,892/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,048/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,750
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,084
−HK$1,354/mo
Today · 4.125%
HK$52,438
baseline
▲ 0.50% · 4.625%
HK$55,202
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,876/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,577 · Scale 2, in force from 26 Feb 2026)