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$24,806
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,578
−HK$784/mo
Today · 4.125%
HK$26,362
baseline
▲ 0.50% · 4.625%
HK$27,966
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,724/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,597
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,337
−HK$751/mo
Today · 4.125%
HK$29,088
baseline
▲ 0.50% · 4.625%
HK$30,621
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,176/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,768
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,694
−HK$940/mo
Today · 4.125%
HK$31,634
baseline
▲ 0.50% · 4.625%
HK$33,559
+HK$1,925/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,268/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,116
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,005
−HK$901/mo
Today · 4.125%
HK$34,906
baseline
▲ 0.50% · 4.625%
HK$36,745
+HK$1,839/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,812/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,729
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,809
−HK$1,098/mo
Today · 4.125%
HK$36,907
baseline
▲ 0.50% · 4.625%
HK$39,153
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,814/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,636
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,672
−HK$1,051/mo
Today · 4.125%
HK$40,723
baseline
▲ 0.50% · 4.625%
HK$42,870
+HK$2,147/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,446/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,652
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,041
−HK$1,411/mo
Today · 4.125%
HK$47,452
baseline
▲ 0.50% · 4.625%
HK$50,339
+HK$2,887/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,904/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,675
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$51,007
−HK$1,351/mo
Today · 4.125%
HK$52,358
baseline
▲ 0.50% · 4.625%
HK$55,118
+HK$2,760/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,716/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,956 · Scale 2, in force from 26 Feb 2026)