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$24,876
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,650
−HK$786/mo
Today · 4.125%
HK$26,436
baseline
▲ 0.50% · 4.625%
HK$28,045
+HK$1,609/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,872/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,675
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,417
−HK$753/mo
Today · 4.125%
HK$29,170
baseline
▲ 0.50% · 4.625%
HK$30,707
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,340/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,852
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,780
−HK$944/mo
Today · 4.125%
HK$31,724
baseline
▲ 0.50% · 4.625%
HK$33,654
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$63,448/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,210
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,100
−HK$904/mo
Today · 4.125%
HK$35,004
baseline
▲ 0.50% · 4.625%
HK$36,849
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$70,008/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,827
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,910
−HK$1,101/mo
Today · 4.125%
HK$37,011
baseline
▲ 0.50% · 4.625%
HK$39,263
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,022/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,745
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,784
−HK$1,054/mo
Today · 4.125%
HK$40,838
baseline
▲ 0.50% · 4.625%
HK$42,990
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,676/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,777
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,170
−HK$1,415/mo
Today · 4.125%
HK$47,585
baseline
▲ 0.50% · 4.625%
HK$50,481
+HK$2,896/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,170/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,814
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,150
−HK$1,356/mo
Today · 4.125%
HK$52,506
baseline
▲ 0.50% · 4.625%
HK$55,273
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,012/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,105 · Scale 2, in force from 26 Feb 2026)