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$24,822
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,594
−HK$784/mo
Today · 4.125%
HK$26,378
baseline
▲ 0.50% · 4.625%
HK$27,983
+HK$1,605/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,756/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,614
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,354
−HK$752/mo
Today · 4.125%
HK$29,106
baseline
▲ 0.50% · 4.625%
HK$30,640
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,212/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,786
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,712
−HK$942/mo
Today · 4.125%
HK$31,654
baseline
▲ 0.50% · 4.625%
HK$33,580
+HK$1,926/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,308/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,137
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,025
−HK$902/mo
Today · 4.125%
HK$34,927
baseline
▲ 0.50% · 4.625%
HK$36,768
+HK$1,841/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,854/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,750
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,831
−HK$1,098/mo
Today · 4.125%
HK$36,929
baseline
▲ 0.50% · 4.625%
HK$39,176
+HK$2,247/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,858/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,659
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,696
−HK$1,052/mo
Today · 4.125%
HK$40,748
baseline
▲ 0.50% · 4.625%
HK$42,896
+HK$2,148/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,496/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,679
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,069
−HK$1,412/mo
Today · 4.125%
HK$47,481
baseline
▲ 0.50% · 4.625%
HK$50,370
+HK$2,889/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,962/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,705
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,038
−HK$1,352/mo
Today · 4.125%
HK$52,390
baseline
▲ 0.50% · 4.625%
HK$55,152
+HK$2,762/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,780/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,204 · Scale 2, in force from 26 Feb 2026)