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$24,874
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,648
−HK$786/mo
Today · 4.125%
HK$26,434
baseline
▲ 0.50% · 4.625%
HK$28,043
+HK$1,609/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,868/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,673
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,415
−HK$753/mo
Today · 4.125%
HK$29,168
baseline
▲ 0.50% · 4.625%
HK$30,705
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,336/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,849
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,778
−HK$943/mo
Today · 4.125%
HK$31,721
baseline
▲ 0.50% · 4.625%
HK$33,651
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$63,442/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,207
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,098
−HK$903/mo
Today · 4.125%
HK$35,001
baseline
▲ 0.50% · 4.625%
HK$36,846
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$70,002/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,824
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,907
−HK$1,101/mo
Today · 4.125%
HK$37,008
baseline
▲ 0.50% · 4.625%
HK$39,260
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,016/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,742
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,781
−HK$1,054/mo
Today · 4.125%
HK$40,835
baseline
▲ 0.50% · 4.625%
HK$42,987
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,670/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,774
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,167
−HK$1,415/mo
Today · 4.125%
HK$47,582
baseline
▲ 0.50% · 4.625%
HK$50,477
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,164/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,811
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,147
−HK$1,355/mo
Today · 4.125%
HK$52,502
baseline
▲ 0.50% · 4.625%
HK$55,269
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,004/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,074 · Scale 2, in force from 26 Feb 2026)