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$24,876
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,649
−HK$786/mo
Today · 4.125%
HK$26,435
baseline
▲ 0.50% · 4.625%
HK$28,044
+HK$1,609/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,870/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,674
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,416
−HK$753/mo
Today · 4.125%
HK$29,169
baseline
▲ 0.50% · 4.625%
HK$30,706
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,338/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,851
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,779
−HK$944/mo
Today · 4.125%
HK$31,723
baseline
▲ 0.50% · 4.625%
HK$33,653
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$63,446/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,209
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,099
−HK$904/mo
Today · 4.125%
HK$35,003
baseline
▲ 0.50% · 4.625%
HK$36,848
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$70,006/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,826
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,909
−HK$1,101/mo
Today · 4.125%
HK$37,010
baseline
▲ 0.50% · 4.625%
HK$39,262
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,020/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,743
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,782
−HK$1,054/mo
Today · 4.125%
HK$40,836
baseline
▲ 0.50% · 4.625%
HK$42,989
+HK$2,153/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,672/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,776
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,169
−HK$1,415/mo
Today · 4.125%
HK$47,584
baseline
▲ 0.50% · 4.625%
HK$50,479
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,168/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,813
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,149
−HK$1,355/mo
Today · 4.125%
HK$52,504
baseline
▲ 0.50% · 4.625%
HK$55,272
+HK$2,768/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,008/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,091 · Scale 2, in force from 26 Feb 2026)