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$24,922
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,697
−HK$788/mo
Today · 4.125%
HK$26,485
baseline
▲ 0.50% · 4.625%
HK$28,096
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,970/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,726
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,469
−HK$755/mo
Today · 4.125%
HK$29,224
baseline
▲ 0.50% · 4.625%
HK$30,764
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,448/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,907
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,837
−HK$945/mo
Today · 4.125%
HK$31,782
baseline
▲ 0.50% · 4.625%
HK$33,716
+HK$1,934/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,564/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,271
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,163
−HK$905/mo
Today · 4.125%
HK$35,068
baseline
▲ 0.50% · 4.625%
HK$36,917
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,136/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,891
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,976
−HK$1,103/mo
Today · 4.125%
HK$37,079
baseline
▲ 0.50% · 4.625%
HK$39,335
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,158/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,816
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,857
−HK$1,056/mo
Today · 4.125%
HK$40,913
baseline
▲ 0.50% · 4.625%
HK$43,069
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,826/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,860
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,255
−HK$1,418/mo
Today · 4.125%
HK$47,673
baseline
▲ 0.50% · 4.625%
HK$50,574
+HK$2,901/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,346/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,906
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,245
−HK$1,357/mo
Today · 4.125%
HK$52,602
baseline
▲ 0.50% · 4.625%
HK$55,375
+HK$2,773/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,204/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,857 · Scale 2, in force from 26 Feb 2026)