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$24,825
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,597
−HK$785/mo
Today · 4.125%
HK$26,382
baseline
▲ 0.50% · 4.625%
HK$27,987
+HK$1,605/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,764/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,617
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,358
−HK$751/mo
Today · 4.125%
HK$29,109
baseline
▲ 0.50% · 4.625%
HK$30,644
+HK$1,535/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,218/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,790
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,716
−HK$942/mo
Today · 4.125%
HK$31,658
baseline
▲ 0.50% · 4.625%
HK$33,584
+HK$1,926/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,316/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,141
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,030
−HK$901/mo
Today · 4.125%
HK$34,931
baseline
▲ 0.50% · 4.625%
HK$36,773
+HK$1,842/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,862/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,755
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,836
−HK$1,098/mo
Today · 4.125%
HK$36,934
baseline
▲ 0.50% · 4.625%
HK$39,182
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,868/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,664
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,701
−HK$1,052/mo
Today · 4.125%
HK$40,753
baseline
▲ 0.50% · 4.625%
HK$42,901
+HK$2,148/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,506/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,685
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,075
−HK$1,412/mo
Today · 4.125%
HK$47,487
baseline
▲ 0.50% · 4.625%
HK$50,376
+HK$2,889/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,974/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,711
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,045
−HK$1,352/mo
Today · 4.125%
HK$52,397
baseline
▲ 0.50% · 4.625%
HK$55,159
+HK$2,762/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,794/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,258 · Scale 2, in force from 26 Feb 2026)