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$24,834
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,607
−HK$784/mo
Today · 4.125%
HK$26,391
baseline
▲ 0.50% · 4.625%
HK$27,997
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,782/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,628
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,369
−HK$751/mo
Today · 4.125%
HK$29,120
baseline
▲ 0.50% · 4.625%
HK$30,655
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,240/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,801
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,728
−HK$942/mo
Today · 4.125%
HK$31,670
baseline
▲ 0.50% · 4.625%
HK$33,597
+HK$1,927/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$63,340/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,153
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,042
−HK$902/mo
Today · 4.125%
HK$34,944
baseline
▲ 0.50% · 4.625%
HK$36,786
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$69,888/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,768
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,849
−HK$1,099/mo
Today · 4.125%
HK$36,948
baseline
▲ 0.50% · 4.625%
HK$39,196
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,896/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,679
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,716
−HK$1,053/mo
Today · 4.125%
HK$40,769
baseline
▲ 0.50% · 4.625%
HK$42,918
+HK$2,149/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,538/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,701
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,092
−HK$1,413/mo
Today · 4.125%
HK$47,505
baseline
▲ 0.50% · 4.625%
HK$50,395
+HK$2,890/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$95,010/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,730
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,064
−HK$1,353/mo
Today · 4.125%
HK$52,417
baseline
▲ 0.50% · 4.625%
HK$55,180
+HK$2,763/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,834/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,411 · Scale 2, in force from 26 Feb 2026)