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$24,856
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,629
−HK$786/mo
Today · 4.125%
HK$26,415
baseline
▲ 0.50% · 4.625%
HK$28,022
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,830/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,652
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,394
−HK$752/mo
Today · 4.125%
HK$29,146
baseline
▲ 0.50% · 4.625%
HK$30,682
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,292/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,827
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,755
−HK$943/mo
Today · 4.125%
HK$31,698
baseline
▲ 0.50% · 4.625%
HK$33,626
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,396/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,182
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,072
−HK$903/mo
Today · 4.125%
HK$34,975
baseline
▲ 0.50% · 4.625%
HK$36,819
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,950/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,798
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,881
−HK$1,100/mo
Today · 4.125%
HK$36,981
baseline
▲ 0.50% · 4.625%
HK$39,231
+HK$2,250/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,962/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,713
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,751
−HK$1,053/mo
Today · 4.125%
HK$40,804
baseline
▲ 0.50% · 4.625%
HK$42,955
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,608/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,741
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,132
−HK$1,414/mo
Today · 4.125%
HK$47,546
baseline
▲ 0.50% · 4.625%
HK$50,440
+HK$2,894/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,092/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,774
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,109
−HK$1,354/mo
Today · 4.125%
HK$52,463
baseline
▲ 0.50% · 4.625%
HK$55,228
+HK$2,765/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,926/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,770 · Scale 2, in force from 26 Feb 2026)