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$24,908
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,682
−HK$788/mo
Today · 4.125%
HK$26,470
baseline
▲ 0.50% · 4.625%
HK$28,080
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,940/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,710
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,453
−HK$754/mo
Today · 4.125%
HK$29,207
baseline
▲ 0.50% · 4.625%
HK$30,746
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,414/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,889
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,819
−HK$945/mo
Today · 4.125%
HK$31,764
baseline
▲ 0.50% · 4.625%
HK$33,696
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,528/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,251
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,143
−HK$905/mo
Today · 4.125%
HK$35,048
baseline
▲ 0.50% · 4.625%
HK$36,895
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,096/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,871
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,955
−HK$1,102/mo
Today · 4.125%
HK$37,057
baseline
▲ 0.50% · 4.625%
HK$39,312
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,114/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,793
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,834
−HK$1,055/mo
Today · 4.125%
HK$40,889
baseline
▲ 0.50% · 4.625%
HK$43,045
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,778/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,834
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,228
−HK$1,417/mo
Today · 4.125%
HK$47,645
baseline
▲ 0.50% · 4.625%
HK$50,544
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,290/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,877
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,215
−HK$1,357/mo
Today · 4.125%
HK$52,572
baseline
▲ 0.50% · 4.625%
HK$55,343
+HK$2,771/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,144/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,621 · Scale 2, in force from 26 Feb 2026)