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$24,919
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,694
−HK$787/mo
Today · 4.125%
HK$26,481
baseline
▲ 0.50% · 4.625%
HK$28,093
+HK$1,612/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,962/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,722
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,465
−HK$755/mo
Today · 4.125%
HK$29,220
baseline
▲ 0.50% · 4.625%
HK$30,760
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,440/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,902
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,833
−HK$945/mo
Today · 4.125%
HK$31,778
baseline
▲ 0.50% · 4.625%
HK$33,711
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,556/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,266
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,158
−HK$905/mo
Today · 4.125%
HK$35,063
baseline
▲ 0.50% · 4.625%
HK$36,912
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,126/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,886
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,971
−HK$1,103/mo
Today · 4.125%
HK$37,074
baseline
▲ 0.50% · 4.625%
HK$39,330
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,148/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,811
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,851
−HK$1,056/mo
Today · 4.125%
HK$40,907
baseline
▲ 0.50% · 4.625%
HK$43,064
+HK$2,157/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,814/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,854
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,249
−HK$1,417/mo
Today · 4.125%
HK$47,666
baseline
▲ 0.50% · 4.625%
HK$50,567
+HK$2,901/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,332/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,899
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,237
−HK$1,358/mo
Today · 4.125%
HK$52,595
baseline
▲ 0.50% · 4.625%
HK$55,367
+HK$2,772/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,190/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,801 · Scale 2, in force from 26 Feb 2026)