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$1,562/mo
▼ 0.25% · 3.875%
HK$25,697
−HK$787/mo
Today · 4.125%
HK$26,484
baseline
▲ 0.50% · 4.625%
HK$28,096
+HK$1,612/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$409,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,725
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,468
−HK$755/mo
Today · 4.125%
HK$29,223
baseline
▲ 0.50% · 4.625%
HK$30,763
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,446/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,906
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,836
−HK$945/mo
Today · 4.125%
HK$31,781
baseline
▲ 0.50% · 4.625%
HK$33,715
+HK$1,934/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$409,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,270
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,162
−HK$905/mo
Today · 4.125%
HK$35,067
baseline
▲ 0.50% · 4.625%
HK$36,916
+HK$1,849/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$409,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,890
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,975
−HK$1,103/mo
Today · 4.125%
HK$37,078
baseline
▲ 0.50% · 4.625%
HK$39,334
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,156/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,815
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,856
−HK$1,056/mo
Today · 4.125%
HK$40,912
baseline
▲ 0.50% · 4.625%
HK$43,068
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,824/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,859
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,254
−HK$1,418/mo
Today · 4.125%
HK$47,672
baseline
▲ 0.50% · 4.625%
HK$50,572
+HK$2,900/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,344/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,905
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,243
−HK$1,358/mo
Today · 4.125%
HK$52,601
baseline
▲ 0.50% · 4.625%
HK$55,374
+HK$2,773/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,202/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,848 · Scale 2, in force from 26 Feb 2026)