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$24,808
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,579
−HK$784/mo
Today · 4.125%
HK$26,363
baseline
▲ 0.50% · 4.625%
HK$27,967
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,726/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,598
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,338
−HK$751/mo
Today · 4.125%
HK$29,089
baseline
▲ 0.50% · 4.625%
HK$30,622
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,178/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,769
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,695
−HK$941/mo
Today · 4.125%
HK$31,636
baseline
▲ 0.50% · 4.625%
HK$33,561
+HK$1,925/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,272/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,118
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,006
−HK$901/mo
Today · 4.125%
HK$34,907
baseline
▲ 0.50% · 4.625%
HK$36,747
+HK$1,840/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,814/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,731
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,811
−HK$1,097/mo
Today · 4.125%
HK$36,908
baseline
▲ 0.50% · 4.625%
HK$39,154
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,816/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,637
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,674
−HK$1,051/mo
Today · 4.125%
HK$40,725
baseline
▲ 0.50% · 4.625%
HK$42,871
+HK$2,146/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,450/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,654
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,042
−HK$1,412/mo
Today · 4.125%
HK$47,454
baseline
▲ 0.50% · 4.625%
HK$50,341
+HK$2,887/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,908/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,677
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$51,009
−HK$1,351/mo
Today · 4.125%
HK$52,360
baseline
▲ 0.50% · 4.625%
HK$55,120
+HK$2,760/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,720/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,973 · Scale 2, in force from 26 Feb 2026)