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$24,790
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,561
−HK$783/mo
Today · 4.125%
HK$26,344
baseline
▲ 0.50% · 4.625%
HK$27,947
+HK$1,603/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,688/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,578
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,318
−HK$750/mo
Today · 4.125%
HK$29,068
baseline
▲ 0.50% · 4.625%
HK$30,601
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,136/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,748
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,673
−HK$940/mo
Today · 4.125%
HK$31,613
baseline
▲ 0.50% · 4.625%
HK$33,537
+HK$1,924/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,226/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,094
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,982
−HK$900/mo
Today · 4.125%
HK$34,882
baseline
▲ 0.50% · 4.625%
HK$36,721
+HK$1,839/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,764/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,706
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,785
−HK$1,097/mo
Today · 4.125%
HK$36,882
baseline
▲ 0.50% · 4.625%
HK$39,126
+HK$2,244/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,764/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,610
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,645
−HK$1,051/mo
Today · 4.125%
HK$40,696
baseline
▲ 0.50% · 4.625%
HK$42,841
+HK$2,145/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,392/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,622
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,010
−HK$1,410/mo
Today · 4.125%
HK$47,420
baseline
▲ 0.50% · 4.625%
HK$50,305
+HK$2,885/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,840/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,641
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,972
−HK$1,351/mo
Today · 4.125%
HK$52,323
baseline
▲ 0.50% · 4.625%
HK$55,081
+HK$2,758/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,646/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,682 · Scale 2, in force from 26 Feb 2026)