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$24,877
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,651
−HK$786/mo
Today · 4.125%
HK$26,437
baseline
▲ 0.50% · 4.625%
HK$28,046
+HK$1,609/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,874/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,675
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,418
−HK$753/mo
Today · 4.125%
HK$29,171
baseline
▲ 0.50% · 4.625%
HK$30,708
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,342/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,852
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,781
−HK$943/mo
Today · 4.125%
HK$31,724
baseline
▲ 0.50% · 4.625%
HK$33,655
+HK$1,931/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$63,448/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,211
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,101
−HK$904/mo
Today · 4.125%
HK$35,005
baseline
▲ 0.50% · 4.625%
HK$36,850
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$70,010/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,828
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,911
−HK$1,101/mo
Today · 4.125%
HK$37,012
baseline
▲ 0.50% · 4.625%
HK$39,264
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,024/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,746
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,785
−HK$1,054/mo
Today · 4.125%
HK$40,839
baseline
▲ 0.50% · 4.625%
HK$42,992
+HK$2,153/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,678/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,779
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,172
−HK$1,415/mo
Today · 4.125%
HK$47,587
baseline
▲ 0.50% · 4.625%
HK$50,482
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,174/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,816
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,152
−HK$1,355/mo
Today · 4.125%
HK$52,507
baseline
▲ 0.50% · 4.625%
HK$55,275
+HK$2,768/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,014/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,117 · Scale 2, in force from 26 Feb 2026)