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$24,854
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,627
−HK$786/mo
Today · 4.125%
HK$26,413
baseline
▲ 0.50% · 4.625%
HK$28,020
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,826/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,650
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,392
−HK$752/mo
Today · 4.125%
HK$29,144
baseline
▲ 0.50% · 4.625%
HK$30,680
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,288/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,825
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,753
−HK$942/mo
Today · 4.125%
HK$31,695
baseline
▲ 0.50% · 4.625%
HK$33,624
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,390/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,180
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,070
−HK$903/mo
Today · 4.125%
HK$34,973
baseline
▲ 0.50% · 4.625%
HK$36,816
+HK$1,843/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,946/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,796
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,878
−HK$1,100/mo
Today · 4.125%
HK$36,978
baseline
▲ 0.50% · 4.625%
HK$39,228
+HK$2,250/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,956/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,710
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,748
−HK$1,053/mo
Today · 4.125%
HK$40,801
baseline
▲ 0.50% · 4.625%
HK$42,952
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,602/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,737
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,129
−HK$1,414/mo
Today · 4.125%
HK$47,543
baseline
▲ 0.50% · 4.625%
HK$50,436
+HK$2,893/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,086/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,770
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,105
−HK$1,354/mo
Today · 4.125%
HK$52,459
baseline
▲ 0.50% · 4.625%
HK$55,224
+HK$2,765/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,918/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,739 · Scale 2, in force from 26 Feb 2026)