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$24,808
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,580
−HK$784/mo
Today · 4.125%
HK$26,364
baseline
▲ 0.50% · 4.625%
HK$27,968
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,728/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,599
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,339
−HK$751/mo
Today · 4.125%
HK$29,090
baseline
▲ 0.50% · 4.625%
HK$30,624
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,180/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,770
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,696
−HK$941/mo
Today · 4.125%
HK$31,637
baseline
▲ 0.50% · 4.625%
HK$33,562
+HK$1,925/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,274/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,119
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,007
−HK$901/mo
Today · 4.125%
HK$34,908
baseline
▲ 0.50% · 4.625%
HK$36,748
+HK$1,840/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,816/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,732
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,812
−HK$1,098/mo
Today · 4.125%
HK$36,910
baseline
▲ 0.50% · 4.625%
HK$39,156
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,820/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,639
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,675
−HK$1,051/mo
Today · 4.125%
HK$40,726
baseline
▲ 0.50% · 4.625%
HK$42,873
+HK$2,147/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,452/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,655
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,044
−HK$1,412/mo
Today · 4.125%
HK$47,456
baseline
▲ 0.50% · 4.625%
HK$50,343
+HK$2,887/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,912/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,679
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,011
−HK$1,352/mo
Today · 4.125%
HK$52,363
baseline
▲ 0.50% · 4.625%
HK$55,123
+HK$2,760/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,726/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,989 · Scale 2, in force from 26 Feb 2026)