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$24,816
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,588
−HK$785/mo
Today · 4.125%
HK$26,373
baseline
▲ 0.50% · 4.625%
HK$27,977
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,746/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,608
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,348
−HK$752/mo
Today · 4.125%
HK$29,100
baseline
▲ 0.50% · 4.625%
HK$30,633
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,200/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,780
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,706
−HK$941/mo
Today · 4.125%
HK$31,647
baseline
▲ 0.50% · 4.625%
HK$33,573
+HK$1,926/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,294/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,130
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,018
−HK$901/mo
Today · 4.125%
HK$34,919
baseline
▲ 0.50% · 4.625%
HK$36,760
+HK$1,841/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,838/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,743
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,824
−HK$1,098/mo
Today · 4.125%
HK$36,922
baseline
▲ 0.50% · 4.625%
HK$39,168
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,844/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,651
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,688
−HK$1,051/mo
Today · 4.125%
HK$40,739
baseline
▲ 0.50% · 4.625%
HK$42,887
+HK$2,148/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,478/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,669
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,059
−HK$1,412/mo
Today · 4.125%
HK$47,471
baseline
▲ 0.50% · 4.625%
HK$50,359
+HK$2,888/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,942/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,694
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,027
−HK$1,352/mo
Today · 4.125%
HK$52,379
baseline
▲ 0.50% · 4.625%
HK$55,140
+HK$2,761/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,758/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,119 · Scale 2, in force from 26 Feb 2026)