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$24,858
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,631
−HK$786/mo
Today · 4.125%
HK$26,417
baseline
▲ 0.50% · 4.625%
HK$28,024
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,834/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,654
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,396
−HK$752/mo
Today · 4.125%
HK$29,148
baseline
▲ 0.50% · 4.625%
HK$30,685
+HK$1,537/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,296/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,830
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,757
−HK$943/mo
Today · 4.125%
HK$31,700
baseline
▲ 0.50% · 4.625%
HK$33,629
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,400/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,185
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,075
−HK$903/mo
Today · 4.125%
HK$34,978
baseline
▲ 0.50% · 4.625%
HK$36,822
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,956/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,801
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,884
−HK$1,099/mo
Today · 4.125%
HK$36,983
baseline
▲ 0.50% · 4.625%
HK$39,234
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,966/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,716
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,754
−HK$1,054/mo
Today · 4.125%
HK$40,808
baseline
▲ 0.50% · 4.625%
HK$42,959
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,616/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,744
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,136
−HK$1,414/mo
Today · 4.125%
HK$47,550
baseline
▲ 0.50% · 4.625%
HK$50,443
+HK$2,893/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,100/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,778
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,113
−HK$1,354/mo
Today · 4.125%
HK$52,467
baseline
▲ 0.50% · 4.625%
HK$55,233
+HK$2,766/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,934/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,802 · Scale 2, in force from 26 Feb 2026)