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$24,835
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,608
−HK$784/mo
Today · 4.125%
HK$26,392
baseline
▲ 0.50% · 4.625%
HK$27,998
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,784/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,629
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,370
−HK$751/mo
Today · 4.125%
HK$29,121
baseline
▲ 0.50% · 4.625%
HK$30,656
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,242/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,802
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,729
−HK$942/mo
Today · 4.125%
HK$31,671
baseline
▲ 0.50% · 4.625%
HK$33,598
+HK$1,927/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$63,342/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,155
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,044
−HK$902/mo
Today · 4.125%
HK$34,946
baseline
▲ 0.50% · 4.625%
HK$36,788
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$69,892/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,769
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,851
−HK$1,098/mo
Today · 4.125%
HK$36,949
baseline
▲ 0.50% · 4.625%
HK$39,198
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,898/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,680
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,718
−HK$1,052/mo
Today · 4.125%
HK$40,770
baseline
▲ 0.50% · 4.625%
HK$42,919
+HK$2,149/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,540/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,703
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,094
−HK$1,412/mo
Today · 4.125%
HK$47,506
baseline
▲ 0.50% · 4.625%
HK$50,397
+HK$2,891/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$95,012/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,732
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,066
−HK$1,353/mo
Today · 4.125%
HK$52,419
baseline
▲ 0.50% · 4.625%
HK$55,182
+HK$2,763/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,838/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,426 · Scale 2, in force from 26 Feb 2026)