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$24,917
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,692
−HK$787/mo
Today · 4.125%
HK$26,479
baseline
▲ 0.50% · 4.625%
HK$28,091
+HK$1,612/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,958/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,720
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,463
−HK$754/mo
Today · 4.125%
HK$29,217
baseline
▲ 0.50% · 4.625%
HK$30,758
+HK$1,541/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,434/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,900
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,830
−HK$945/mo
Today · 4.125%
HK$31,775
baseline
▲ 0.50% · 4.625%
HK$33,709
+HK$1,934/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,550/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,264
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,156
−HK$905/mo
Today · 4.125%
HK$35,061
baseline
▲ 0.50% · 4.625%
HK$36,909
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,122/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,884
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,969
−HK$1,102/mo
Today · 4.125%
HK$37,071
baseline
▲ 0.50% · 4.625%
HK$39,327
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,142/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,808
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,849
−HK$1,055/mo
Today · 4.125%
HK$40,904
baseline
▲ 0.50% · 4.625%
HK$43,061
+HK$2,157/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,808/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,851
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,246
−HK$1,417/mo
Today · 4.125%
HK$47,663
baseline
▲ 0.50% · 4.625%
HK$50,563
+HK$2,900/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,326/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,896
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,234
−HK$1,357/mo
Today · 4.125%
HK$52,591
baseline
▲ 0.50% · 4.625%
HK$55,364
+HK$2,773/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,182/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,773 · Scale 2, in force from 26 Feb 2026)