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$24,823
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,595
−HK$785/mo
Today · 4.125%
HK$26,380
baseline
▲ 0.50% · 4.625%
HK$27,985
+HK$1,605/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,760/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,616
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,356
−HK$752/mo
Today · 4.125%
HK$29,108
baseline
▲ 0.50% · 4.625%
HK$30,642
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,216/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,788
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,714
−HK$942/mo
Today · 4.125%
HK$31,656
baseline
▲ 0.50% · 4.625%
HK$33,582
+HK$1,926/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,312/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,139
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,028
−HK$901/mo
Today · 4.125%
HK$34,929
baseline
▲ 0.50% · 4.625%
HK$36,770
+HK$1,841/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,858/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,753
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,834
−HK$1,098/mo
Today · 4.125%
HK$36,932
baseline
▲ 0.50% · 4.625%
HK$39,179
+HK$2,247/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,864/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,662
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,699
−HK$1,052/mo
Today · 4.125%
HK$40,751
baseline
▲ 0.50% · 4.625%
HK$42,899
+HK$2,148/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,502/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,682
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,072
−HK$1,412/mo
Today · 4.125%
HK$47,484
baseline
▲ 0.50% · 4.625%
HK$50,373
+HK$2,889/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,968/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,708
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,041
−HK$1,353/mo
Today · 4.125%
HK$52,394
baseline
▲ 0.50% · 4.625%
HK$55,155
+HK$2,761/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,788/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,232 · Scale 2, in force from 26 Feb 2026)