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$24,911
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,685
−HK$788/mo
Today · 4.125%
HK$26,473
baseline
▲ 0.50% · 4.625%
HK$28,083
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,946/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,713
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,456
−HK$754/mo
Today · 4.125%
HK$29,210
baseline
▲ 0.50% · 4.625%
HK$30,750
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,420/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,893
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,823
−HK$944/mo
Today · 4.125%
HK$31,767
baseline
▲ 0.50% · 4.625%
HK$33,700
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,534/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,255
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,147
−HK$905/mo
Today · 4.125%
HK$35,052
baseline
▲ 0.50% · 4.625%
HK$36,900
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,104/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,875
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,960
−HK$1,102/mo
Today · 4.125%
HK$37,062
baseline
▲ 0.50% · 4.625%
HK$39,317
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,124/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,798
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,838
−HK$1,056/mo
Today · 4.125%
HK$40,894
baseline
▲ 0.50% · 4.625%
HK$43,050
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,788/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,839
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,234
−HK$1,417/mo
Today · 4.125%
HK$47,651
baseline
▲ 0.50% · 4.625%
HK$50,550
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,302/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,883
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,221
−HK$1,357/mo
Today · 4.125%
HK$52,578
baseline
▲ 0.50% · 4.625%
HK$55,349
+HK$2,771/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,156/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,668 · Scale 2, in force from 26 Feb 2026)