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$24,862
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,636
−HK$785/mo
Today · 4.125%
HK$26,421
baseline
▲ 0.50% · 4.625%
HK$28,029
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,842/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,659
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,401
−HK$752/mo
Today · 4.125%
HK$29,153
baseline
▲ 0.50% · 4.625%
HK$30,690
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,306/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,835
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,763
−HK$942/mo
Today · 4.125%
HK$31,705
baseline
▲ 0.50% · 4.625%
HK$33,635
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,410/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,191
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,081
−HK$903/mo
Today · 4.125%
HK$34,984
baseline
▲ 0.50% · 4.625%
HK$36,828
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,968/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,807
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,890
−HK$1,100/mo
Today · 4.125%
HK$36,990
baseline
▲ 0.50% · 4.625%
HK$39,240
+HK$2,250/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,980/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,722
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,761
−HK$1,053/mo
Today · 4.125%
HK$40,814
baseline
▲ 0.50% · 4.625%
HK$42,966
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,628/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,752
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,144
−HK$1,414/mo
Today · 4.125%
HK$47,558
baseline
▲ 0.50% · 4.625%
HK$50,452
+HK$2,894/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,116/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,786
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,121
−HK$1,355/mo
Today · 4.125%
HK$52,476
baseline
▲ 0.50% · 4.625%
HK$55,242
+HK$2,766/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,952/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,871 · Scale 2, in force from 26 Feb 2026)