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$24,805
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,576
−HK$784/mo
Today · 4.125%
HK$26,360
baseline
▲ 0.50% · 4.625%
HK$27,964
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,720/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,595
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,335
−HK$751/mo
Today · 4.125%
HK$29,086
baseline
▲ 0.50% · 4.625%
HK$30,619
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,172/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,766
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,691
−HK$941/mo
Today · 4.125%
HK$31,632
baseline
▲ 0.50% · 4.625%
HK$33,557
+HK$1,925/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,264/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,114
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,002
−HK$901/mo
Today · 4.125%
HK$34,903
baseline
▲ 0.50% · 4.625%
HK$36,743
+HK$1,840/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,806/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,726
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,807
−HK$1,097/mo
Today · 4.125%
HK$36,904
baseline
▲ 0.50% · 4.625%
HK$39,150
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,808/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,633
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,669
−HK$1,051/mo
Today · 4.125%
HK$40,720
baseline
▲ 0.50% · 4.625%
HK$42,866
+HK$2,146/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,440/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,648
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,037
−HK$1,411/mo
Today · 4.125%
HK$47,448
baseline
▲ 0.50% · 4.625%
HK$50,335
+HK$2,887/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,896/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,671
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$51,003
−HK$1,351/mo
Today · 4.125%
HK$52,354
baseline
▲ 0.50% · 4.625%
HK$55,114
+HK$2,760/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,708/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,925 · Scale 2, in force from 26 Feb 2026)