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$24,841
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,614
−HK$785/mo
Today · 4.125%
HK$26,399
baseline
▲ 0.50% · 4.625%
HK$28,005
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,798/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,636
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,377
−HK$752/mo
Today · 4.125%
HK$29,129
baseline
▲ 0.50% · 4.625%
HK$30,664
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,258/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,810
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,737
−HK$942/mo
Today · 4.125%
HK$31,679
baseline
▲ 0.50% · 4.625%
HK$33,607
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,358/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,163
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,052
−HK$903/mo
Today · 4.125%
HK$34,955
baseline
▲ 0.50% · 4.625%
HK$36,797
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,910/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,778
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,860
−HK$1,099/mo
Today · 4.125%
HK$36,959
baseline
▲ 0.50% · 4.625%
HK$39,208
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,918/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,690
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,728
−HK$1,052/mo
Today · 4.125%
HK$40,780
baseline
▲ 0.50% · 4.625%
HK$42,930
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,560/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,714
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,105
−HK$1,413/mo
Today · 4.125%
HK$47,518
baseline
▲ 0.50% · 4.625%
HK$50,410
+HK$2,892/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$95,036/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,744
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,078
−HK$1,354/mo
Today · 4.125%
HK$52,432
baseline
▲ 0.50% · 4.625%
HK$55,196
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,864/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,529 · Scale 2, in force from 26 Feb 2026)