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$24,871
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,645
−HK$786/mo
Today · 4.125%
HK$26,431
baseline
▲ 0.50% · 4.625%
HK$28,039
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,862/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,669
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,411
−HK$753/mo
Today · 4.125%
HK$29,164
baseline
▲ 0.50% · 4.625%
HK$30,701
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,328/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,846
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,774
−HK$943/mo
Today · 4.125%
HK$31,717
baseline
▲ 0.50% · 4.625%
HK$33,647
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,434/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,203
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,093
−HK$904/mo
Today · 4.125%
HK$34,997
baseline
▲ 0.50% · 4.625%
HK$36,841
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,994/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,820
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,903
−HK$1,100/mo
Today · 4.125%
HK$37,003
baseline
▲ 0.50% · 4.625%
HK$39,255
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,006/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,737
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,776
−HK$1,054/mo
Today · 4.125%
HK$40,830
baseline
▲ 0.50% · 4.625%
HK$42,982
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,660/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,768
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,161
−HK$1,415/mo
Today · 4.125%
HK$47,576
baseline
▲ 0.50% · 4.625%
HK$50,471
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,152/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,804
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,140
−HK$1,355/mo
Today · 4.125%
HK$52,495
baseline
▲ 0.50% · 4.625%
HK$55,262
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$104,990/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,022 · Scale 2, in force from 26 Feb 2026)