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$24,912
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,687
−HK$787/mo
Today · 4.125%
HK$26,474
baseline
▲ 0.50% · 4.625%
HK$28,085
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,948/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,714
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,458
−HK$754/mo
Today · 4.125%
HK$29,212
baseline
▲ 0.50% · 4.625%
HK$30,751
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,424/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,894
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,824
−HK$945/mo
Today · 4.125%
HK$31,769
baseline
▲ 0.50% · 4.625%
HK$33,702
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,538/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,257
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,149
−HK$905/mo
Today · 4.125%
HK$35,054
baseline
▲ 0.50% · 4.625%
HK$36,902
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,108/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,877
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,962
−HK$1,102/mo
Today · 4.125%
HK$37,064
baseline
▲ 0.50% · 4.625%
HK$39,319
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,128/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,800
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,841
−HK$1,055/mo
Today · 4.125%
HK$40,896
baseline
▲ 0.50% · 4.625%
HK$43,052
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,792/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,842
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,236
−HK$1,418/mo
Today · 4.125%
HK$47,654
baseline
▲ 0.50% · 4.625%
HK$50,553
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,308/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,886
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,224
−HK$1,357/mo
Today · 4.125%
HK$52,581
baseline
▲ 0.50% · 4.625%
HK$55,353
+HK$2,772/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,162/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,691 · Scale 2, in force from 26 Feb 2026)