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$24,867
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,641
−HK$786/mo
Today · 4.125%
HK$26,427
baseline
▲ 0.50% · 4.625%
HK$28,035
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,854/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,665
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,407
−HK$752/mo
Today · 4.125%
HK$29,159
baseline
▲ 0.50% · 4.625%
HK$30,696
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,318/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,841
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,769
−HK$943/mo
Today · 4.125%
HK$31,712
baseline
▲ 0.50% · 4.625%
HK$33,642
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,424/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,198
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,088
−HK$903/mo
Today · 4.125%
HK$34,991
baseline
▲ 0.50% · 4.625%
HK$36,836
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,982/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,814
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,897
−HK$1,101/mo
Today · 4.125%
HK$36,998
baseline
▲ 0.50% · 4.625%
HK$39,249
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,996/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,731
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,769
−HK$1,054/mo
Today · 4.125%
HK$40,823
baseline
▲ 0.50% · 4.625%
HK$42,975
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,646/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,761
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,154
−HK$1,414/mo
Today · 4.125%
HK$47,568
baseline
▲ 0.50% · 4.625%
HK$50,463
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,136/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,797
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,132
−HK$1,355/mo
Today · 4.125%
HK$52,487
baseline
▲ 0.50% · 4.625%
HK$55,254
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,974/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,958 · Scale 2, in force from 26 Feb 2026)