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$24,868
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,641
−HK$786/mo
Today · 4.125%
HK$26,427
baseline
▲ 0.50% · 4.625%
HK$28,035
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,854/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,665
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,407
−HK$753/mo
Today · 4.125%
HK$29,160
baseline
▲ 0.50% · 4.625%
HK$30,697
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,320/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,842
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,770
−HK$943/mo
Today · 4.125%
HK$31,713
baseline
▲ 0.50% · 4.625%
HK$33,642
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,426/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,198
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,089
−HK$903/mo
Today · 4.125%
HK$34,992
baseline
▲ 0.50% · 4.625%
HK$36,836
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,984/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,815
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,898
−HK$1,100/mo
Today · 4.125%
HK$36,998
baseline
▲ 0.50% · 4.625%
HK$39,250
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,996/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,731
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,770
−HK$1,054/mo
Today · 4.125%
HK$40,824
baseline
▲ 0.50% · 4.625%
HK$42,976
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,648/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,762
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,155
−HK$1,414/mo
Today · 4.125%
HK$47,569
baseline
▲ 0.50% · 4.625%
HK$50,464
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,138/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,798
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,133
−HK$1,355/mo
Today · 4.125%
HK$52,488
baseline
▲ 0.50% · 4.625%
HK$55,255
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$104,976/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,966 · Scale 2, in force from 26 Feb 2026)