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$24,872
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,646
−HK$786/mo
Today · 4.125%
HK$26,432
baseline
▲ 0.50% · 4.625%
HK$28,040
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,864/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,670
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,412
−HK$753/mo
Today · 4.125%
HK$29,165
baseline
▲ 0.50% · 4.625%
HK$30,702
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,330/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,846
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,775
−HK$943/mo
Today · 4.125%
HK$31,718
baseline
▲ 0.50% · 4.625%
HK$33,648
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,436/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,204
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,094
−HK$904/mo
Today · 4.125%
HK$34,998
baseline
▲ 0.50% · 4.625%
HK$36,842
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,996/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,821
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,904
−HK$1,100/mo
Today · 4.125%
HK$37,004
baseline
▲ 0.50% · 4.625%
HK$39,256
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,008/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,738
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,777
−HK$1,054/mo
Today · 4.125%
HK$40,831
baseline
▲ 0.50% · 4.625%
HK$42,983
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,662/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,770
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,162
−HK$1,415/mo
Today · 4.125%
HK$47,577
baseline
▲ 0.50% · 4.625%
HK$50,472
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,154/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,806
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,141
−HK$1,356/mo
Today · 4.125%
HK$52,497
baseline
▲ 0.50% · 4.625%
HK$55,264
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$104,994/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,033 · Scale 2, in force from 26 Feb 2026)