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$24,831
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,603
−HK$785/mo
Today · 4.125%
HK$26,388
baseline
▲ 0.50% · 4.625%
HK$27,994
+HK$1,606/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,776/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,624
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,365
−HK$752/mo
Today · 4.125%
HK$29,117
baseline
▲ 0.50% · 4.625%
HK$30,651
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,234/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,797
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,724
−HK$942/mo
Today · 4.125%
HK$31,666
baseline
▲ 0.50% · 4.625%
HK$33,592
+HK$1,926/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$63,332/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,149
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,038
−HK$902/mo
Today · 4.125%
HK$34,940
baseline
▲ 0.50% · 4.625%
HK$36,782
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$69,880/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,763
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,845
−HK$1,098/mo
Today · 4.125%
HK$36,943
baseline
▲ 0.50% · 4.625%
HK$39,191
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,886/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,674
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,711
−HK$1,052/mo
Today · 4.125%
HK$40,763
baseline
▲ 0.50% · 4.625%
HK$42,912
+HK$2,149/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,526/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,696
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,086
−HK$1,412/mo
Today · 4.125%
HK$47,498
baseline
▲ 0.50% · 4.625%
HK$50,389
+HK$2,891/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,996/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,723
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,057
−HK$1,353/mo
Today · 4.125%
HK$52,410
baseline
▲ 0.50% · 4.625%
HK$55,172
+HK$2,762/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,820/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,357 · Scale 2, in force from 26 Feb 2026)