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$24,861
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,634
−HK$786/mo
Today · 4.125%
HK$26,420
baseline
▲ 0.50% · 4.625%
HK$28,027
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,840/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,657
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,399
−HK$752/mo
Today · 4.125%
HK$29,151
baseline
▲ 0.50% · 4.625%
HK$30,688
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,302/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,833
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,761
−HK$942/mo
Today · 4.125%
HK$31,703
baseline
▲ 0.50% · 4.625%
HK$33,633
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,406/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,189
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,079
−HK$903/mo
Today · 4.125%
HK$34,982
baseline
▲ 0.50% · 4.625%
HK$36,826
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,964/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,805
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,887
−HK$1,100/mo
Today · 4.125%
HK$36,987
baseline
▲ 0.50% · 4.625%
HK$39,238
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,974/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,720
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,758
−HK$1,054/mo
Today · 4.125%
HK$40,812
baseline
▲ 0.50% · 4.625%
HK$42,963
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,624/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,749
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,141
−HK$1,414/mo
Today · 4.125%
HK$47,555
baseline
▲ 0.50% · 4.625%
HK$50,449
+HK$2,894/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,110/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,783
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,118
−HK$1,354/mo
Today · 4.125%
HK$52,472
baseline
▲ 0.50% · 4.625%
HK$55,238
+HK$2,766/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,944/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,846 · Scale 2, in force from 26 Feb 2026)