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$24,888
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,662
−HK$786/mo
Today · 4.125%
HK$26,448
baseline
▲ 0.50% · 4.625%
HK$28,058
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,896/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,687
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,430
−HK$753/mo
Today · 4.125%
HK$29,183
baseline
▲ 0.50% · 4.625%
HK$30,721
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,366/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,865
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,794
−HK$944/mo
Today · 4.125%
HK$31,738
baseline
▲ 0.50% · 4.625%
HK$33,669
+HK$1,931/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,476/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,225
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,116
−HK$904/mo
Today · 4.125%
HK$35,020
baseline
▲ 0.50% · 4.625%
HK$36,866
+HK$1,846/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,040/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,843
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,926
−HK$1,102/mo
Today · 4.125%
HK$37,028
baseline
▲ 0.50% · 4.625%
HK$39,281
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,056/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,762
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,802
−HK$1,054/mo
Today · 4.125%
HK$40,856
baseline
▲ 0.50% · 4.625%
HK$43,010
+HK$2,154/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,712/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,798
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,191
−HK$1,416/mo
Today · 4.125%
HK$47,607
baseline
▲ 0.50% · 4.625%
HK$50,504
+HK$2,897/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,214/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,837
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,173
−HK$1,356/mo
Today · 4.125%
HK$52,529
baseline
▲ 0.50% · 4.625%
HK$55,298
+HK$2,769/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,058/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,289 · Scale 2, in force from 26 Feb 2026)