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$24,896
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,670
−HK$787/mo
Today · 4.125%
HK$26,457
baseline
▲ 0.50% · 4.625%
HK$28,067
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,914/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,696
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,439
−HK$754/mo
Today · 4.125%
HK$29,193
baseline
▲ 0.50% · 4.625%
HK$30,732
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,386/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,875
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,804
−HK$944/mo
Today · 4.125%
HK$31,748
baseline
▲ 0.50% · 4.625%
HK$33,680
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,496/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,236
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,127
−HK$904/mo
Today · 4.125%
HK$35,031
baseline
▲ 0.50% · 4.625%
HK$36,878
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,062/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,854
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,938
−HK$1,102/mo
Today · 4.125%
HK$37,040
baseline
▲ 0.50% · 4.625%
HK$39,294
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$74,080/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,775
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,815
−HK$1,055/mo
Today · 4.125%
HK$40,870
baseline
▲ 0.50% · 4.625%
HK$43,024
+HK$2,154/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$81,740/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,813
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,207
−HK$1,416/mo
Today · 4.125%
HK$47,623
baseline
▲ 0.50% · 4.625%
HK$50,520
+HK$2,897/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,246/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,854
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,191
−HK$1,356/mo
Today · 4.125%
HK$52,547
baseline
▲ 0.50% · 4.625%
HK$55,317
+HK$2,770/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,094/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,426 · Scale 2, in force from 26 Feb 2026)