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$24,824
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,596
−HK$785/mo
Today · 4.125%
HK$26,381
baseline
▲ 0.50% · 4.625%
HK$27,986
+HK$1,605/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,762/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,616
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,357
−HK$751/mo
Today · 4.125%
HK$29,108
baseline
▲ 0.50% · 4.625%
HK$30,643
+HK$1,535/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,216/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,789
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,715
−HK$942/mo
Today · 4.125%
HK$31,657
baseline
▲ 0.50% · 4.625%
HK$33,583
+HK$1,926/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,314/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,140
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,028
−HK$902/mo
Today · 4.125%
HK$34,930
baseline
▲ 0.50% · 4.625%
HK$36,771
+HK$1,841/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,860/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,753
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,835
−HK$1,098/mo
Today · 4.125%
HK$36,933
baseline
▲ 0.50% · 4.625%
HK$39,180
+HK$2,247/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,866/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,663
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,700
−HK$1,052/mo
Today · 4.125%
HK$40,752
baseline
▲ 0.50% · 4.625%
HK$42,900
+HK$2,148/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,504/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,683
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,073
−HK$1,412/mo
Today · 4.125%
HK$47,485
baseline
▲ 0.50% · 4.625%
HK$50,374
+HK$2,889/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,970/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,709
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,043
−HK$1,352/mo
Today · 4.125%
HK$52,395
baseline
▲ 0.50% · 4.625%
HK$55,157
+HK$2,762/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,790/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,243 · Scale 2, in force from 26 Feb 2026)