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$24,819
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,591
−HK$784/mo
Today · 4.125%
HK$26,375
baseline
▲ 0.50% · 4.625%
HK$27,980
+HK$1,605/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,750/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,611
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,351
−HK$752/mo
Today · 4.125%
HK$29,103
baseline
▲ 0.50% · 4.625%
HK$30,637
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,206/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,783
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,709
−HK$941/mo
Today · 4.125%
HK$31,650
baseline
▲ 0.50% · 4.625%
HK$33,576
+HK$1,926/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,300/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,133
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,022
−HK$901/mo
Today · 4.125%
HK$34,923
baseline
▲ 0.50% · 4.625%
HK$36,764
+HK$1,841/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,846/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,747
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,827
−HK$1,098/mo
Today · 4.125%
HK$36,925
baseline
▲ 0.50% · 4.625%
HK$39,172
+HK$2,247/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,850/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,655
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,692
−HK$1,052/mo
Today · 4.125%
HK$40,744
baseline
▲ 0.50% · 4.625%
HK$42,891
+HK$2,147/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,488/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,674
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,064
−HK$1,412/mo
Today · 4.125%
HK$47,476
baseline
▲ 0.50% · 4.625%
HK$50,364
+HK$2,888/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,952/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,700
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,032
−HK$1,353/mo
Today · 4.125%
HK$52,385
baseline
▲ 0.50% · 4.625%
HK$55,146
+HK$2,761/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,770/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,161 · Scale 2, in force from 26 Feb 2026)