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$24,869
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,643
−HK$786/mo
Today · 4.125%
HK$26,429
baseline
▲ 0.50% · 4.625%
HK$28,037
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,858/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,667
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,409
−HK$753/mo
Today · 4.125%
HK$29,162
baseline
▲ 0.50% · 4.625%
HK$30,699
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,324/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,843
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,771
−HK$944/mo
Today · 4.125%
HK$31,715
baseline
▲ 0.50% · 4.625%
HK$33,644
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,430/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,200
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,091
−HK$903/mo
Today · 4.125%
HK$34,994
baseline
▲ 0.50% · 4.625%
HK$36,838
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,988/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,817
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,900
−HK$1,100/mo
Today · 4.125%
HK$37,000
baseline
▲ 0.50% · 4.625%
HK$39,252
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$74,000/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,734
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,772
−HK$1,054/mo
Today · 4.125%
HK$40,826
baseline
▲ 0.50% · 4.625%
HK$42,978
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,652/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,765
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,157
−HK$1,415/mo
Today · 4.125%
HK$47,572
baseline
▲ 0.50% · 4.625%
HK$50,467
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,144/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,800
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,136
−HK$1,355/mo
Today · 4.125%
HK$52,491
baseline
▲ 0.50% · 4.625%
HK$55,258
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$104,982/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,989 · Scale 2, in force from 26 Feb 2026)