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$24,806
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,577
−HK$784/mo
Today · 4.125%
HK$26,361
baseline
▲ 0.50% · 4.625%
HK$27,965
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,722/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,596
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,336
−HK$751/mo
Today · 4.125%
HK$29,087
baseline
▲ 0.50% · 4.625%
HK$30,620
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,174/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,767
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,693
−HK$941/mo
Today · 4.125%
HK$31,634
baseline
▲ 0.50% · 4.625%
HK$33,558
+HK$1,924/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,268/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,115
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,003
−HK$901/mo
Today · 4.125%
HK$34,904
baseline
▲ 0.50% · 4.625%
HK$36,744
+HK$1,840/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,808/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,728
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,808
−HK$1,098/mo
Today · 4.125%
HK$36,906
baseline
▲ 0.50% · 4.625%
HK$39,151
+HK$2,245/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,812/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,635
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,671
−HK$1,051/mo
Today · 4.125%
HK$40,722
baseline
▲ 0.50% · 4.625%
HK$42,868
+HK$2,146/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,444/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,650
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,039
−HK$1,411/mo
Today · 4.125%
HK$47,450
baseline
▲ 0.50% · 4.625%
HK$50,337
+HK$2,887/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,900/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,673
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,005
−HK$1,352/mo
Today · 4.125%
HK$52,357
baseline
▲ 0.50% · 4.625%
HK$55,116
+HK$2,759/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,714/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,943 · Scale 2, in force from 26 Feb 2026)