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$24,920
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,695
−HK$788/mo
Today · 4.125%
HK$26,483
baseline
▲ 0.50% · 4.625%
HK$28,094
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,966/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,723
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,467
−HK$754/mo
Today · 4.125%
HK$29,221
baseline
▲ 0.50% · 4.625%
HK$30,761
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,442/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,904
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,834
−HK$945/mo
Today · 4.125%
HK$31,779
baseline
▲ 0.50% · 4.625%
HK$33,713
+HK$1,934/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,558/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,268
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,160
−HK$905/mo
Today · 4.125%
HK$35,065
baseline
▲ 0.50% · 4.625%
HK$36,914
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,130/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,888
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,973
−HK$1,103/mo
Today · 4.125%
HK$37,076
baseline
▲ 0.50% · 4.625%
HK$39,332
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,152/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,813
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,854
−HK$1,056/mo
Today · 4.125%
HK$40,910
baseline
▲ 0.50% · 4.625%
HK$43,066
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,820/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,856
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,251
−HK$1,418/mo
Today · 4.125%
HK$47,669
baseline
▲ 0.50% · 4.625%
HK$50,569
+HK$2,900/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,338/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,902
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,240
−HK$1,358/mo
Today · 4.125%
HK$52,598
baseline
▲ 0.50% · 4.625%
HK$55,370
+HK$2,772/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,196/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,823 · Scale 2, in force from 26 Feb 2026)