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$24,831
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,604
−HK$785/mo
Today · 4.125%
HK$26,389
baseline
▲ 0.50% · 4.625%
HK$27,994
+HK$1,605/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,778/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,625
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,366
−HK$751/mo
Today · 4.125%
HK$29,117
baseline
▲ 0.50% · 4.625%
HK$30,652
+HK$1,535/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,234/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,798
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,725
−HK$941/mo
Today · 4.125%
HK$31,666
baseline
▲ 0.50% · 4.625%
HK$33,593
+HK$1,927/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$63,332/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,150
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,039
−HK$902/mo
Today · 4.125%
HK$34,941
baseline
▲ 0.50% · 4.625%
HK$36,782
+HK$1,841/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$69,882/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,764
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,845
−HK$1,099/mo
Today · 4.125%
HK$36,944
baseline
▲ 0.50% · 4.625%
HK$39,192
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,888/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,675
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,712
−HK$1,052/mo
Today · 4.125%
HK$40,764
baseline
▲ 0.50% · 4.625%
HK$42,913
+HK$2,149/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,528/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,697
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,087
−HK$1,412/mo
Today · 4.125%
HK$47,499
baseline
▲ 0.50% · 4.625%
HK$50,390
+HK$2,891/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,998/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,725
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,058
−HK$1,353/mo
Today · 4.125%
HK$52,411
baseline
▲ 0.50% · 4.625%
HK$55,174
+HK$2,763/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,822/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,366 · Scale 2, in force from 26 Feb 2026)