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$24,836
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,608
−HK$785/mo
Today · 4.125%
HK$26,393
baseline
▲ 0.50% · 4.625%
HK$27,999
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,786/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,630
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,371
−HK$751/mo
Today · 4.125%
HK$29,122
baseline
▲ 0.50% · 4.625%
HK$30,657
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,244/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,803
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,730
−HK$942/mo
Today · 4.125%
HK$31,672
baseline
▲ 0.50% · 4.625%
HK$33,599
+HK$1,927/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,344/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,156
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,045
−HK$902/mo
Today · 4.125%
HK$34,947
baseline
▲ 0.50% · 4.625%
HK$36,789
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,894/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,770
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,852
−HK$1,099/mo
Today · 4.125%
HK$36,951
baseline
▲ 0.50% · 4.625%
HK$39,199
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,902/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,682
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,719
−HK$1,052/mo
Today · 4.125%
HK$40,771
baseline
▲ 0.50% · 4.625%
HK$42,920
+HK$2,149/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,542/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,705
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,095
−HK$1,413/mo
Today · 4.125%
HK$47,508
baseline
▲ 0.50% · 4.625%
HK$50,399
+HK$2,891/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$95,016/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,733
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,067
−HK$1,353/mo
Today · 4.125%
HK$52,420
baseline
▲ 0.50% · 4.625%
HK$55,183
+HK$2,763/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,840/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,439 · Scale 2, in force from 26 Feb 2026)