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$24,907
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,682
−HK$787/mo
Today · 4.125%
HK$26,469
baseline
▲ 0.50% · 4.625%
HK$28,080
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,938/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,709
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,452
−HK$754/mo
Today · 4.125%
HK$29,206
baseline
▲ 0.50% · 4.625%
HK$30,745
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,412/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,889
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,818
−HK$945/mo
Today · 4.125%
HK$31,763
baseline
▲ 0.50% · 4.625%
HK$33,695
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,526/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,251
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,142
−HK$905/mo
Today · 4.125%
HK$35,047
baseline
▲ 0.50% · 4.625%
HK$36,894
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,094/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,870
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,955
−HK$1,102/mo
Today · 4.125%
HK$37,057
baseline
▲ 0.50% · 4.625%
HK$39,311
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,114/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,792
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,833
−HK$1,055/mo
Today · 4.125%
HK$40,888
baseline
▲ 0.50% · 4.625%
HK$43,044
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,776/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,833
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,227
−HK$1,417/mo
Today · 4.125%
HK$47,644
baseline
▲ 0.50% · 4.625%
HK$50,543
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,288/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,876
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,214
−HK$1,357/mo
Today · 4.125%
HK$52,571
baseline
▲ 0.50% · 4.625%
HK$55,342
+HK$2,771/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,142/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,611 · Scale 2, in force from 26 Feb 2026)