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$24,881
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,655
−HK$786/mo
Today · 4.125%
HK$26,441
baseline
▲ 0.50% · 4.625%
HK$28,050
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,882/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,679
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,422
−HK$753/mo
Today · 4.125%
HK$29,175
baseline
▲ 0.50% · 4.625%
HK$30,713
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,350/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,857
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,786
−HK$943/mo
Today · 4.125%
HK$31,729
baseline
▲ 0.50% · 4.625%
HK$33,660
+HK$1,931/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$63,458/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,215
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,106
−HK$904/mo
Today · 4.125%
HK$35,010
baseline
▲ 0.50% · 4.625%
HK$36,855
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$70,020/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,833
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,916
−HK$1,101/mo
Today · 4.125%
HK$37,017
baseline
▲ 0.50% · 4.625%
HK$39,270
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,034/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,751
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,791
−HK$1,054/mo
Today · 4.125%
HK$40,845
baseline
▲ 0.50% · 4.625%
HK$42,998
+HK$2,153/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,690/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,785
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,178
−HK$1,416/mo
Today · 4.125%
HK$47,594
baseline
▲ 0.50% · 4.625%
HK$50,490
+HK$2,896/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,188/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,823
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,159
−HK$1,356/mo
Today · 4.125%
HK$52,515
baseline
▲ 0.50% · 4.625%
HK$55,283
+HK$2,768/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,030/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,176 · Scale 2, in force from 26 Feb 2026)