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$24,921
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,696
−HK$788/mo
Today · 4.125%
HK$26,484
baseline
▲ 0.50% · 4.625%
HK$28,095
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,968/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,724
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,468
−HK$754/mo
Today · 4.125%
HK$29,222
baseline
▲ 0.50% · 4.625%
HK$30,763
+HK$1,541/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,444/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,905
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,836
−HK$945/mo
Today · 4.125%
HK$31,781
baseline
▲ 0.50% · 4.625%
HK$33,714
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,562/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,269
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,162
−HK$905/mo
Today · 4.125%
HK$35,067
baseline
▲ 0.50% · 4.625%
HK$36,915
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,134/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,890
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,975
−HK$1,102/mo
Today · 4.125%
HK$37,077
baseline
▲ 0.50% · 4.625%
HK$39,333
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,154/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,814
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,855
−HK$1,056/mo
Today · 4.125%
HK$40,911
baseline
▲ 0.50% · 4.625%
HK$43,068
+HK$2,157/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,822/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,858
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,253
−HK$1,418/mo
Today · 4.125%
HK$47,671
baseline
▲ 0.50% · 4.625%
HK$50,572
+HK$2,901/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,342/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,904
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,242
−HK$1,358/mo
Today · 4.125%
HK$52,600
baseline
▲ 0.50% · 4.625%
HK$55,373
+HK$2,773/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,200/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,841 · Scale 2, in force from 26 Feb 2026)