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$24,872
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,645
−HK$786/mo
Today · 4.125%
HK$26,431
baseline
▲ 0.50% · 4.625%
HK$28,040
+HK$1,609/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,862/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,669
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,412
−HK$752/mo
Today · 4.125%
HK$29,164
baseline
▲ 0.50% · 4.625%
HK$30,702
+HK$1,538/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,328/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,846
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,774
−HK$944/mo
Today · 4.125%
HK$31,718
baseline
▲ 0.50% · 4.625%
HK$33,648
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,436/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,203
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,094
−HK$903/mo
Today · 4.125%
HK$34,997
baseline
▲ 0.50% · 4.625%
HK$36,842
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,994/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,820
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,903
−HK$1,101/mo
Today · 4.125%
HK$37,004
baseline
▲ 0.50% · 4.625%
HK$39,255
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,008/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,737
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,776
−HK$1,054/mo
Today · 4.125%
HK$40,830
baseline
▲ 0.50% · 4.625%
HK$42,982
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,660/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,769
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,162
−HK$1,414/mo
Today · 4.125%
HK$47,576
baseline
▲ 0.50% · 4.625%
HK$50,471
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,152/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,805
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,141
−HK$1,355/mo
Today · 4.125%
HK$52,496
baseline
▲ 0.50% · 4.625%
HK$55,263
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$104,992/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,028 · Scale 2, in force from 26 Feb 2026)