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$24,866
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,639
−HK$786/mo
Today · 4.125%
HK$26,425
baseline
▲ 0.50% · 4.625%
HK$28,033
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,850/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,663
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,405
−HK$752/mo
Today · 4.125%
HK$29,157
baseline
▲ 0.50% · 4.625%
HK$30,694
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,314/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,839
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,767
−HK$943/mo
Today · 4.125%
HK$31,710
baseline
▲ 0.50% · 4.625%
HK$33,639
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,420/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,195
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,086
−HK$903/mo
Today · 4.125%
HK$34,989
baseline
▲ 0.50% · 4.625%
HK$36,833
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,978/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,812
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,895
−HK$1,100/mo
Today · 4.125%
HK$36,995
baseline
▲ 0.50% · 4.625%
HK$39,246
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,990/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,728
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,766
−HK$1,054/mo
Today · 4.125%
HK$40,820
baseline
▲ 0.50% · 4.625%
HK$42,972
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,640/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,758
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,150
−HK$1,415/mo
Today · 4.125%
HK$47,565
baseline
▲ 0.50% · 4.625%
HK$50,459
+HK$2,894/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,130/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,793
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,128
−HK$1,355/mo
Today · 4.125%
HK$52,483
baseline
▲ 0.50% · 4.625%
HK$55,249
+HK$2,766/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,966/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,928 · Scale 2, in force from 26 Feb 2026)