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$24,860
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,633
−HK$786/mo
Today · 4.125%
HK$26,419
baseline
▲ 0.50% · 4.625%
HK$28,026
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,838/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,656
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,398
−HK$752/mo
Today · 4.125%
HK$29,150
baseline
▲ 0.50% · 4.625%
HK$30,687
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,300/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,832
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,760
−HK$942/mo
Today · 4.125%
HK$31,702
baseline
▲ 0.50% · 4.625%
HK$33,631
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,404/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,187
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,078
−HK$903/mo
Today · 4.125%
HK$34,981
baseline
▲ 0.50% · 4.625%
HK$36,824
+HK$1,843/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,962/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,804
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,886
−HK$1,100/mo
Today · 4.125%
HK$36,986
baseline
▲ 0.50% · 4.625%
HK$39,237
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,972/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,719
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,757
−HK$1,054/mo
Today · 4.125%
HK$40,811
baseline
▲ 0.50% · 4.625%
HK$42,962
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,622/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,748
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,139
−HK$1,415/mo
Today · 4.125%
HK$47,554
baseline
▲ 0.50% · 4.625%
HK$50,447
+HK$2,893/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,108/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,781
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,116
−HK$1,355/mo
Today · 4.125%
HK$52,471
baseline
▲ 0.50% · 4.625%
HK$55,237
+HK$2,766/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,942/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,832 · Scale 2, in force from 26 Feb 2026)