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$24,845
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,617
−HK$786/mo
Today · 4.125%
HK$26,403
baseline
▲ 0.50% · 4.625%
HK$28,009
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,806/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,639
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,381
−HK$752/mo
Today · 4.125%
HK$29,133
baseline
▲ 0.50% · 4.625%
HK$30,668
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,266/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,814
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,741
−HK$942/mo
Today · 4.125%
HK$31,683
baseline
▲ 0.50% · 4.625%
HK$33,611
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,366/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,167
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,057
−HK$902/mo
Today · 4.125%
HK$34,959
baseline
▲ 0.50% · 4.625%
HK$36,802
+HK$1,843/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,918/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,782
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,864
−HK$1,100/mo
Today · 4.125%
HK$36,964
baseline
▲ 0.50% · 4.625%
HK$39,213
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,928/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,695
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,733
−HK$1,053/mo
Today · 4.125%
HK$40,786
baseline
▲ 0.50% · 4.625%
HK$42,936
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,572/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,720
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,111
−HK$1,414/mo
Today · 4.125%
HK$47,525
baseline
▲ 0.50% · 4.625%
HK$50,416
+HK$2,891/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,050/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,751
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,085
−HK$1,354/mo
Today · 4.125%
HK$52,439
baseline
▲ 0.50% · 4.625%
HK$55,203
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,878/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,583 · Scale 2, in force from 26 Feb 2026)