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$24,837
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,610
−HK$785/mo
Today · 4.125%
HK$26,395
baseline
▲ 0.50% · 4.625%
HK$28,001
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,790/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,631
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,372
−HK$752/mo
Today · 4.125%
HK$29,124
baseline
▲ 0.50% · 4.625%
HK$30,659
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,248/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,805
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,732
−HK$942/mo
Today · 4.125%
HK$31,674
baseline
▲ 0.50% · 4.625%
HK$33,601
+HK$1,927/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,348/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,157
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,047
−HK$902/mo
Today · 4.125%
HK$34,949
baseline
▲ 0.50% · 4.625%
HK$36,791
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,898/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,772
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,854
−HK$1,099/mo
Today · 4.125%
HK$36,953
baseline
▲ 0.50% · 4.625%
HK$39,201
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,906/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,684
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,721
−HK$1,053/mo
Today · 4.125%
HK$40,774
baseline
▲ 0.50% · 4.625%
HK$42,923
+HK$2,149/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,548/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,707
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,098
−HK$1,413/mo
Today · 4.125%
HK$47,511
baseline
▲ 0.50% · 4.625%
HK$50,402
+HK$2,891/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$95,022/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,736
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,070
−HK$1,353/mo
Today · 4.125%
HK$52,423
baseline
▲ 0.50% · 4.625%
HK$55,187
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,846/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,463 · Scale 2, in force from 26 Feb 2026)