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$24,850
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,623
−HK$785/mo
Today · 4.125%
HK$26,408
baseline
▲ 0.50% · 4.625%
HK$28,015
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,816/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,645
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,387
−HK$752/mo
Today · 4.125%
HK$29,139
baseline
▲ 0.50% · 4.625%
HK$30,675
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,278/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,820
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,747
−HK$943/mo
Today · 4.125%
HK$31,690
baseline
▲ 0.50% · 4.625%
HK$33,618
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,380/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,174
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,064
−HK$902/mo
Today · 4.125%
HK$34,966
baseline
▲ 0.50% · 4.625%
HK$36,810
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,932/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,790
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,872
−HK$1,099/mo
Today · 4.125%
HK$36,971
baseline
▲ 0.50% · 4.625%
HK$39,221
+HK$2,250/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,942/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,703
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,741
−HK$1,053/mo
Today · 4.125%
HK$40,794
baseline
▲ 0.50% · 4.625%
HK$42,944
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,588/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,730
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,121
−HK$1,413/mo
Today · 4.125%
HK$47,534
baseline
▲ 0.50% · 4.625%
HK$50,427
+HK$2,893/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,068/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,761
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,096
−HK$1,354/mo
Today · 4.125%
HK$52,450
baseline
▲ 0.50% · 4.625%
HK$55,214
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,900/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,667 · Scale 2, in force from 26 Feb 2026)