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$24,838
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,610
−HK$785/mo
Today · 4.125%
HK$26,395
baseline
▲ 0.50% · 4.625%
HK$28,001
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,790/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,632
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,373
−HK$752/mo
Today · 4.125%
HK$29,125
baseline
▲ 0.50% · 4.625%
HK$30,660
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,250/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,805
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,732
−HK$942/mo
Today · 4.125%
HK$31,674
baseline
▲ 0.50% · 4.625%
HK$33,602
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,348/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,158
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,047
−HK$903/mo
Today · 4.125%
HK$34,950
baseline
▲ 0.50% · 4.625%
HK$36,792
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,900/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,773
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,854
−HK$1,099/mo
Today · 4.125%
HK$36,953
baseline
▲ 0.50% · 4.625%
HK$39,202
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,906/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,684
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,722
−HK$1,052/mo
Today · 4.125%
HK$40,774
baseline
▲ 0.50% · 4.625%
HK$42,924
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,548/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,708
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,099
−HK$1,413/mo
Today · 4.125%
HK$47,512
baseline
▲ 0.50% · 4.625%
HK$50,403
+HK$2,891/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$95,024/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,737
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,071
−HK$1,353/mo
Today · 4.125%
HK$52,424
baseline
▲ 0.50% · 4.625%
HK$55,188
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,848/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,470 · Scale 2, in force from 26 Feb 2026)