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$24,846
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,619
−HK$785/mo
Today · 4.125%
HK$26,404
baseline
▲ 0.50% · 4.625%
HK$28,011
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,808/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,641
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,383
−HK$752/mo
Today · 4.125%
HK$29,135
baseline
▲ 0.50% · 4.625%
HK$30,670
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,270/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,816
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,743
−HK$942/mo
Today · 4.125%
HK$31,685
baseline
▲ 0.50% · 4.625%
HK$33,613
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,370/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,169
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,059
−HK$903/mo
Today · 4.125%
HK$34,962
baseline
▲ 0.50% · 4.625%
HK$36,804
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,924/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,785
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,867
−HK$1,099/mo
Today · 4.125%
HK$36,966
baseline
▲ 0.50% · 4.625%
HK$39,215
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,932/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,698
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,736
−HK$1,052/mo
Today · 4.125%
HK$40,788
baseline
▲ 0.50% · 4.625%
HK$42,938
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,576/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,723
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,114
−HK$1,414/mo
Today · 4.125%
HK$47,528
baseline
▲ 0.50% · 4.625%
HK$50,420
+HK$2,892/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,056/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,754
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,089
−HK$1,353/mo
Today · 4.125%
HK$52,442
baseline
▲ 0.50% · 4.625%
HK$55,207
+HK$2,765/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,884/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,610 · Scale 2, in force from 26 Feb 2026)