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$24,811
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,583
−HK$784/mo
Today · 4.125%
HK$26,367
baseline
▲ 0.50% · 4.625%
HK$27,972
+HK$1,605/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,734/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,602
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,343
−HK$751/mo
Today · 4.125%
HK$29,094
baseline
▲ 0.50% · 4.625%
HK$30,627
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,188/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,774
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,700
−HK$941/mo
Today · 4.125%
HK$31,641
baseline
▲ 0.50% · 4.625%
HK$33,566
+HK$1,925/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,282/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,123
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,011
−HK$901/mo
Today · 4.125%
HK$34,912
baseline
▲ 0.50% · 4.625%
HK$36,753
+HK$1,841/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,824/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,736
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,816
−HK$1,098/mo
Today · 4.125%
HK$36,914
baseline
▲ 0.50% · 4.625%
HK$39,160
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,828/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,643
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,680
−HK$1,051/mo
Today · 4.125%
HK$40,731
baseline
▲ 0.50% · 4.625%
HK$42,878
+HK$2,147/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,462/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,661
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,050
−HK$1,411/mo
Today · 4.125%
HK$47,461
baseline
▲ 0.50% · 4.625%
HK$50,349
+HK$2,888/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,922/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,684
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,017
−HK$1,352/mo
Today · 4.125%
HK$52,369
baseline
▲ 0.50% · 4.625%
HK$55,129
+HK$2,760/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,738/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,037 · Scale 2, in force from 26 Feb 2026)