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$24,900
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,674
−HK$787/mo
Today · 4.125%
HK$26,461
baseline
▲ 0.50% · 4.625%
HK$28,071
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,922/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,701
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,444
−HK$753/mo
Today · 4.125%
HK$29,197
baseline
▲ 0.50% · 4.625%
HK$30,736
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,394/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,880
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,809
−HK$945/mo
Today · 4.125%
HK$31,754
baseline
▲ 0.50% · 4.625%
HK$33,686
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,508/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,241
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,133
−HK$904/mo
Today · 4.125%
HK$35,037
baseline
▲ 0.50% · 4.625%
HK$36,884
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,074/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,860
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,944
−HK$1,102/mo
Today · 4.125%
HK$37,046
baseline
▲ 0.50% · 4.625%
HK$39,300
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$74,092/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,781
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,821
−HK$1,055/mo
Today · 4.125%
HK$40,876
baseline
▲ 0.50% · 4.625%
HK$43,031
+HK$2,155/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$81,752/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,820
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,214
−HK$1,416/mo
Today · 4.125%
HK$47,630
baseline
▲ 0.50% · 4.625%
HK$50,529
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,260/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,862
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,199
−HK$1,356/mo
Today · 4.125%
HK$52,555
baseline
▲ 0.50% · 4.625%
HK$55,326
+HK$2,771/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,110/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,492 · Scale 2, in force from 26 Feb 2026)