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$24,873
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,647
−HK$786/mo
Today · 4.125%
HK$26,433
baseline
▲ 0.50% · 4.625%
HK$28,041
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,866/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,671
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,413
−HK$753/mo
Today · 4.125%
HK$29,166
baseline
▲ 0.50% · 4.625%
HK$30,703
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,332/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,847
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,776
−HK$943/mo
Today · 4.125%
HK$31,719
baseline
▲ 0.50% · 4.625%
HK$33,649
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,438/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,205
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,095
−HK$904/mo
Today · 4.125%
HK$34,999
baseline
▲ 0.50% · 4.625%
HK$36,844
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,998/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,822
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,905
−HK$1,101/mo
Today · 4.125%
HK$37,006
baseline
▲ 0.50% · 4.625%
HK$39,257
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,012/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,739
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,778
−HK$1,054/mo
Today · 4.125%
HK$40,832
baseline
▲ 0.50% · 4.625%
HK$42,984
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,664/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,771
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,164
−HK$1,415/mo
Today · 4.125%
HK$47,579
baseline
▲ 0.50% · 4.625%
HK$50,474
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,158/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,807
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,143
−HK$1,355/mo
Today · 4.125%
HK$52,498
baseline
▲ 0.50% · 4.625%
HK$55,266
+HK$2,768/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$104,996/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,047 · Scale 2, in force from 26 Feb 2026)