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$24,840
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,613
−HK$785/mo
Today · 4.125%
HK$26,398
baseline
▲ 0.50% · 4.625%
HK$28,004
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,796/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,634
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,375
−HK$752/mo
Today · 4.125%
HK$29,127
baseline
▲ 0.50% · 4.625%
HK$30,663
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,254/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,808
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,735
−HK$942/mo
Today · 4.125%
HK$31,677
baseline
▲ 0.50% · 4.625%
HK$33,605
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,354/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,161
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,050
−HK$903/mo
Today · 4.125%
HK$34,953
baseline
▲ 0.50% · 4.625%
HK$36,795
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,906/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,776
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,858
−HK$1,099/mo
Today · 4.125%
HK$36,957
baseline
▲ 0.50% · 4.625%
HK$39,205
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,914/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,688
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,725
−HK$1,053/mo
Today · 4.125%
HK$40,778
baseline
▲ 0.50% · 4.625%
HK$42,928
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,556/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,712
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,103
−HK$1,413/mo
Today · 4.125%
HK$47,516
baseline
▲ 0.50% · 4.625%
HK$50,407
+HK$2,891/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$95,032/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,742
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,076
−HK$1,353/mo
Today · 4.125%
HK$52,429
baseline
▲ 0.50% · 4.625%
HK$55,193
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,858/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,506 · Scale 2, in force from 26 Feb 2026)