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$24,913
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,688
−HK$787/mo
Today · 4.125%
HK$26,475
baseline
▲ 0.50% · 4.625%
HK$28,086
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,950/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,715
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,459
−HK$754/mo
Today · 4.125%
HK$29,213
baseline
▲ 0.50% · 4.625%
HK$30,753
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,426/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,896
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,826
−HK$944/mo
Today · 4.125%
HK$31,770
baseline
▲ 0.50% · 4.625%
HK$33,703
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,540/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,259
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,151
−HK$904/mo
Today · 4.125%
HK$35,055
baseline
▲ 0.50% · 4.625%
HK$36,903
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,110/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,878
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,963
−HK$1,102/mo
Today · 4.125%
HK$37,065
baseline
▲ 0.50% · 4.625%
HK$39,321
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,130/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,802
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,842
−HK$1,056/mo
Today · 4.125%
HK$40,898
baseline
▲ 0.50% · 4.625%
HK$43,054
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,796/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,843
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,238
−HK$1,418/mo
Today · 4.125%
HK$47,656
baseline
▲ 0.50% · 4.625%
HK$50,555
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,312/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,888
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,226
−HK$1,357/mo
Today · 4.125%
HK$52,583
baseline
▲ 0.50% · 4.625%
HK$55,355
+HK$2,772/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,166/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,708 · Scale 2, in force from 26 Feb 2026)