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$1,559/mo
▼ 0.25% · 3.875%
HK$25,633
−HK$785/mo
Today · 4.125%
HK$26,418
baseline
▲ 0.50% · 4.625%
HK$28,026
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,836/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,656
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,397
−HK$753/mo
Today · 4.125%
HK$29,150
baseline
▲ 0.50% · 4.625%
HK$30,686
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,300/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,831
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,759
−HK$943/mo
Today · 4.125%
HK$31,702
baseline
▲ 0.50% · 4.625%
HK$33,631
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,404/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,187
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,077
−HK$903/mo
Today · 4.125%
HK$34,980
baseline
▲ 0.50% · 4.625%
HK$36,824
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,960/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,803
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,886
−HK$1,099/mo
Today · 4.125%
HK$36,985
baseline
▲ 0.50% · 4.625%
HK$39,236
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,970/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,718
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,756
−HK$1,054/mo
Today · 4.125%
HK$40,810
baseline
▲ 0.50% · 4.625%
HK$42,961
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,620/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,747
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,139
−HK$1,414/mo
Today · 4.125%
HK$47,553
baseline
▲ 0.50% · 4.625%
HK$50,446
+HK$2,893/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,106/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,780
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,115
−HK$1,355/mo
Today · 4.125%
HK$52,470
baseline
▲ 0.50% · 4.625%
HK$55,235
+HK$2,765/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,940/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,824 · Scale 2, in force from 26 Feb 2026)