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$24,906
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,680
−HK$787/mo
Today · 4.125%
HK$26,467
baseline
▲ 0.50% · 4.625%
HK$28,078
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,934/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,707
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,450
−HK$754/mo
Today · 4.125%
HK$29,204
baseline
▲ 0.50% · 4.625%
HK$30,744
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,408/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,887
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,816
−HK$945/mo
Today · 4.125%
HK$31,761
baseline
▲ 0.50% · 4.625%
HK$33,693
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,522/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,249
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,140
−HK$905/mo
Today · 4.125%
HK$35,045
baseline
▲ 0.50% · 4.625%
HK$36,892
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,090/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,868
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,952
−HK$1,102/mo
Today · 4.125%
HK$37,054
baseline
▲ 0.50% · 4.625%
HK$39,309
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,108/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,790
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,830
−HK$1,056/mo
Today · 4.125%
HK$40,886
baseline
▲ 0.50% · 4.625%
HK$43,041
+HK$2,155/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,772/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,830
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,225
−HK$1,416/mo
Today · 4.125%
HK$47,641
baseline
▲ 0.50% · 4.625%
HK$50,540
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,282/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,873
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,211
−HK$1,356/mo
Today · 4.125%
HK$52,567
baseline
▲ 0.50% · 4.625%
HK$55,338
+HK$2,771/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,134/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,586 · Scale 2, in force from 26 Feb 2026)