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$24,875
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,649
−HK$786/mo
Today · 4.125%
HK$26,435
baseline
▲ 0.50% · 4.625%
HK$28,043
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,870/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,673
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,415
−HK$753/mo
Today · 4.125%
HK$29,168
baseline
▲ 0.50% · 4.625%
HK$30,706
+HK$1,538/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,336/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,850
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,779
−HK$943/mo
Today · 4.125%
HK$31,722
baseline
▲ 0.50% · 4.625%
HK$33,652
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$63,444/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,208
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,098
−HK$904/mo
Today · 4.125%
HK$35,002
baseline
▲ 0.50% · 4.625%
HK$36,847
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$70,004/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,825
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,908
−HK$1,101/mo
Today · 4.125%
HK$37,009
baseline
▲ 0.50% · 4.625%
HK$39,261
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,018/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,742
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,782
−HK$1,054/mo
Today · 4.125%
HK$40,836
baseline
▲ 0.50% · 4.625%
HK$42,988
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,672/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,775
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,168
−HK$1,415/mo
Today · 4.125%
HK$47,583
baseline
▲ 0.50% · 4.625%
HK$50,478
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,166/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,812
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,148
−HK$1,355/mo
Today · 4.125%
HK$52,503
baseline
▲ 0.50% · 4.625%
HK$55,270
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,006/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,083 · Scale 2, in force from 26 Feb 2026)