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$24,810
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,582
−HK$784/mo
Today · 4.125%
HK$26,366
baseline
▲ 0.50% · 4.625%
HK$27,970
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,732/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,601
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,341
−HK$751/mo
Today · 4.125%
HK$29,092
baseline
▲ 0.50% · 4.625%
HK$30,626
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,184/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,772
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,698
−HK$941/mo
Today · 4.125%
HK$31,639
baseline
▲ 0.50% · 4.625%
HK$33,564
+HK$1,925/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,278/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,121
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,009
−HK$901/mo
Today · 4.125%
HK$34,910
baseline
▲ 0.50% · 4.625%
HK$36,751
+HK$1,841/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,820/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,734
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,814
−HK$1,098/mo
Today · 4.125%
HK$36,912
baseline
▲ 0.50% · 4.625%
HK$39,158
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,824/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,641
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,678
−HK$1,051/mo
Today · 4.125%
HK$40,729
baseline
▲ 0.50% · 4.625%
HK$42,876
+HK$2,147/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,458/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,658
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,047
−HK$1,411/mo
Today · 4.125%
HK$47,458
baseline
▲ 0.50% · 4.625%
HK$50,346
+HK$2,888/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,916/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,682
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,014
−HK$1,352/mo
Today · 4.125%
HK$52,366
baseline
▲ 0.50% · 4.625%
HK$55,126
+HK$2,760/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,732/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,014 · Scale 2, in force from 26 Feb 2026)