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$24,908
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,683
−HK$787/mo
Today · 4.125%
HK$26,470
baseline
▲ 0.50% · 4.625%
HK$28,081
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,940/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,710
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,454
−HK$753/mo
Today · 4.125%
HK$29,207
baseline
▲ 0.50% · 4.625%
HK$30,747
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,414/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,890
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,820
−HK$944/mo
Today · 4.125%
HK$31,764
baseline
▲ 0.50% · 4.625%
HK$33,697
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,528/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,252
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,144
−HK$905/mo
Today · 4.125%
HK$35,049
baseline
▲ 0.50% · 4.625%
HK$36,896
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,098/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,872
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,957
−HK$1,102/mo
Today · 4.125%
HK$37,059
baseline
▲ 0.50% · 4.625%
HK$39,314
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,118/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,795
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,835
−HK$1,055/mo
Today · 4.125%
HK$40,890
baseline
▲ 0.50% · 4.625%
HK$43,046
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,780/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,835
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,230
−HK$1,417/mo
Today · 4.125%
HK$47,647
baseline
▲ 0.50% · 4.625%
HK$50,546
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,294/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,879
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,216
−HK$1,357/mo
Today · 4.125%
HK$52,573
baseline
▲ 0.50% · 4.625%
HK$55,345
+HK$2,772/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,146/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,633 · Scale 2, in force from 26 Feb 2026)