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$24,848
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,621
−HK$785/mo
Today · 4.125%
HK$26,406
baseline
▲ 0.50% · 4.625%
HK$28,013
+HK$1,607/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$408,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,643
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,385
−HK$752/mo
Today · 4.125%
HK$29,137
baseline
▲ 0.50% · 4.625%
HK$30,673
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,274/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,818
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,745
−HK$943/mo
Today · 4.125%
HK$31,688
baseline
▲ 0.50% · 4.625%
HK$33,616
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,376/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,172
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,062
−HK$902/mo
Today · 4.125%
HK$34,964
baseline
▲ 0.50% · 4.625%
HK$36,807
+HK$1,843/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,928/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,788
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,870
−HK$1,099/mo
Today · 4.125%
HK$36,969
baseline
▲ 0.50% · 4.625%
HK$39,219
+HK$2,250/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,938/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,701
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,739
−HK$1,053/mo
Today · 4.125%
HK$40,792
baseline
▲ 0.50% · 4.625%
HK$42,942
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,584/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,727
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,118
−HK$1,414/mo
Today · 4.125%
HK$47,532
baseline
▲ 0.50% · 4.625%
HK$50,424
+HK$2,892/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,064/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,758
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,093
−HK$1,353/mo
Today · 4.125%
HK$52,446
baseline
▲ 0.50% · 4.625%
HK$55,211
+HK$2,765/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,892/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,643 · Scale 2, in force from 26 Feb 2026)