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$24,839
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,611
−HK$785/mo
Today · 4.125%
HK$26,396
baseline
▲ 0.50% · 4.625%
HK$28,002
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,792/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,633
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,374
−HK$752/mo
Today · 4.125%
HK$29,126
baseline
▲ 0.50% · 4.625%
HK$30,661
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,252/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,806
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,734
−HK$942/mo
Today · 4.125%
HK$31,676
baseline
▲ 0.50% · 4.625%
HK$33,603
+HK$1,927/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,352/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,159
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,049
−HK$902/mo
Today · 4.125%
HK$34,951
baseline
▲ 0.50% · 4.625%
HK$36,793
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,902/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,774
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,856
−HK$1,099/mo
Today · 4.125%
HK$36,955
baseline
▲ 0.50% · 4.625%
HK$39,203
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,910/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,686
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,723
−HK$1,053/mo
Today · 4.125%
HK$40,776
baseline
▲ 0.50% · 4.625%
HK$42,925
+HK$2,149/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,552/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,710
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,100
−HK$1,413/mo
Today · 4.125%
HK$47,513
baseline
▲ 0.50% · 4.625%
HK$50,404
+HK$2,891/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$95,026/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,739
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,073
−HK$1,353/mo
Today · 4.125%
HK$52,426
baseline
▲ 0.50% · 4.625%
HK$55,190
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,852/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,486 · Scale 2, in force from 26 Feb 2026)