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$24,847
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,620
−HK$785/mo
Today · 4.125%
HK$26,405
baseline
▲ 0.50% · 4.625%
HK$28,012
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,810/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,642
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,383
−HK$752/mo
Today · 4.125%
HK$29,135
baseline
▲ 0.50% · 4.625%
HK$30,671
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,270/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,816
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,744
−HK$942/mo
Today · 4.125%
HK$31,686
baseline
▲ 0.50% · 4.625%
HK$33,614
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,372/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,170
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,060
−HK$902/mo
Today · 4.125%
HK$34,962
baseline
▲ 0.50% · 4.625%
HK$36,805
+HK$1,843/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,924/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,785
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,867
−HK$1,100/mo
Today · 4.125%
HK$36,967
baseline
▲ 0.50% · 4.625%
HK$39,216
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,934/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,698
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,736
−HK$1,053/mo
Today · 4.125%
HK$40,789
baseline
▲ 0.50% · 4.625%
HK$42,939
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,578/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,724
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,115
−HK$1,414/mo
Today · 4.125%
HK$47,529
baseline
▲ 0.50% · 4.625%
HK$50,421
+HK$2,892/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,058/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,755
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,090
−HK$1,353/mo
Today · 4.125%
HK$52,443
baseline
▲ 0.50% · 4.625%
HK$55,208
+HK$2,765/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,886/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,618 · Scale 2, in force from 26 Feb 2026)