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$24,864
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,638
−HK$786/mo
Today · 4.125%
HK$26,424
baseline
▲ 0.50% · 4.625%
HK$28,031
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,848/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,661
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,403
−HK$753/mo
Today · 4.125%
HK$29,156
baseline
▲ 0.50% · 4.625%
HK$30,693
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,312/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,837
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,765
−HK$943/mo
Today · 4.125%
HK$31,708
baseline
▲ 0.50% · 4.625%
HK$33,638
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,416/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,194
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,084
−HK$903/mo
Today · 4.125%
HK$34,987
baseline
▲ 0.50% · 4.625%
HK$36,831
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,974/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,810
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,893
−HK$1,100/mo
Today · 4.125%
HK$36,993
baseline
▲ 0.50% · 4.625%
HK$39,244
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,986/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,726
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,765
−HK$1,053/mo
Today · 4.125%
HK$40,818
baseline
▲ 0.50% · 4.625%
HK$42,970
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,636/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,756
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,148
−HK$1,415/mo
Today · 4.125%
HK$47,563
baseline
▲ 0.50% · 4.625%
HK$50,457
+HK$2,894/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,126/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,791
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,126
−HK$1,355/mo
Today · 4.125%
HK$52,481
baseline
▲ 0.50% · 4.625%
HK$55,247
+HK$2,766/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,962/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,908 · Scale 2, in force from 26 Feb 2026)