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$24,845
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,618
−HK$785/mo
Today · 4.125%
HK$26,403
baseline
▲ 0.50% · 4.625%
HK$28,010
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,806/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,640
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,382
−HK$752/mo
Today · 4.125%
HK$29,134
baseline
▲ 0.50% · 4.625%
HK$30,669
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,268/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,815
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,742
−HK$942/mo
Today · 4.125%
HK$31,684
baseline
▲ 0.50% · 4.625%
HK$33,612
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,368/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,168
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,058
−HK$902/mo
Today · 4.125%
HK$34,960
baseline
▲ 0.50% · 4.625%
HK$36,803
+HK$1,843/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,920/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,784
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,866
−HK$1,099/mo
Today · 4.125%
HK$36,965
baseline
▲ 0.50% · 4.625%
HK$39,214
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,930/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,696
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,734
−HK$1,053/mo
Today · 4.125%
HK$40,787
baseline
▲ 0.50% · 4.625%
HK$42,937
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,574/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,722
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,113
−HK$1,413/mo
Today · 4.125%
HK$47,526
baseline
▲ 0.50% · 4.625%
HK$50,418
+HK$2,892/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,052/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,753
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,087
−HK$1,354/mo
Today · 4.125%
HK$52,441
baseline
▲ 0.50% · 4.625%
HK$55,205
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,882/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,597 · Scale 2, in force from 26 Feb 2026)