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$24,849
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,622
−HK$786/mo
Today · 4.125%
HK$26,408
baseline
▲ 0.50% · 4.625%
HK$28,015
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,816/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,645
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,386
−HK$752/mo
Today · 4.125%
HK$29,138
baseline
▲ 0.50% · 4.625%
HK$30,674
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,276/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,819
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,747
−HK$942/mo
Today · 4.125%
HK$31,689
baseline
▲ 0.50% · 4.625%
HK$33,617
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,378/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,174
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,063
−HK$903/mo
Today · 4.125%
HK$34,966
baseline
▲ 0.50% · 4.625%
HK$36,809
+HK$1,843/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,932/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,789
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,871
−HK$1,100/mo
Today · 4.125%
HK$36,971
baseline
▲ 0.50% · 4.625%
HK$39,220
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,942/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,703
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,741
−HK$1,053/mo
Today · 4.125%
HK$40,794
baseline
▲ 0.50% · 4.625%
HK$42,944
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,588/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,729
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,120
−HK$1,414/mo
Today · 4.125%
HK$47,534
baseline
▲ 0.50% · 4.625%
HK$50,426
+HK$2,892/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,068/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,760
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,095
−HK$1,354/mo
Today · 4.125%
HK$52,449
baseline
▲ 0.50% · 4.625%
HK$55,213
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,898/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,662 · Scale 2, in force from 26 Feb 2026)