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$24,736
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,506
−HK$781/mo
Today · 4.125%
HK$26,287
baseline
▲ 0.50% · 4.625%
HK$27,887
+HK$1,600/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,574/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,519
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,257
−HK$748/mo
Today · 4.125%
HK$29,005
baseline
▲ 0.50% · 4.625%
HK$30,534
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,010/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,683
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,607
−HK$938/mo
Today · 4.125%
HK$31,545
baseline
▲ 0.50% · 4.625%
HK$33,464
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,090/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,022
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,908
−HK$899/mo
Today · 4.125%
HK$34,807
baseline
▲ 0.50% · 4.625%
HK$36,641
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,614/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,631
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,708
−HK$1,094/mo
Today · 4.125%
HK$36,802
baseline
▲ 0.50% · 4.625%
HK$39,042
+HK$2,240/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,604/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,526
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,559
−HK$1,049/mo
Today · 4.125%
HK$40,608
baseline
▲ 0.50% · 4.625%
HK$42,748
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,216/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,525
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,910
−HK$1,407/mo
Today · 4.125%
HK$47,317
baseline
▲ 0.50% · 4.625%
HK$50,196
+HK$2,879/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,634/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,534
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,862
−HK$1,348/mo
Today · 4.125%
HK$52,210
baseline
▲ 0.50% · 4.625%
HK$54,962
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,420/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,800 · Scale 2, in force from 26 Feb 2026)