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$24,859
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,632
−HK$785/mo
Today · 4.125%
HK$26,417
baseline
▲ 0.50% · 4.625%
HK$28,025
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,834/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,655
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,397
−HK$752/mo
Today · 4.125%
HK$29,149
baseline
▲ 0.50% · 4.625%
HK$30,685
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,298/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,830
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,758
−HK$943/mo
Today · 4.125%
HK$31,701
baseline
▲ 0.50% · 4.625%
HK$33,630
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,402/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,186
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,076
−HK$903/mo
Today · 4.125%
HK$34,979
baseline
▲ 0.50% · 4.625%
HK$36,823
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,958/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,802
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,885
−HK$1,099/mo
Today · 4.125%
HK$36,984
baseline
▲ 0.50% · 4.625%
HK$39,235
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,968/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,717
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,755
−HK$1,054/mo
Today · 4.125%
HK$40,809
baseline
▲ 0.50% · 4.625%
HK$42,960
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,618/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,745
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,137
−HK$1,414/mo
Today · 4.125%
HK$47,551
baseline
▲ 0.50% · 4.625%
HK$50,445
+HK$2,894/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,102/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,779
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,114
−HK$1,354/mo
Today · 4.125%
HK$52,468
baseline
▲ 0.50% · 4.625%
HK$55,234
+HK$2,766/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,936/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,812 · Scale 2, in force from 26 Feb 2026)