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$24,923
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,698
−HK$788/mo
Today · 4.125%
HK$26,486
baseline
▲ 0.50% · 4.625%
HK$28,097
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,972/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,726
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,470
−HK$754/mo
Today · 4.125%
HK$29,224
baseline
▲ 0.50% · 4.625%
HK$30,765
+HK$1,541/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,448/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,907
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,838
−HK$945/mo
Today · 4.125%
HK$31,783
baseline
▲ 0.50% · 4.625%
HK$33,717
+HK$1,934/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,566/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,272
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,164
−HK$905/mo
Today · 4.125%
HK$35,069
baseline
▲ 0.50% · 4.625%
HK$36,918
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,138/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,892
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,977
−HK$1,103/mo
Today · 4.125%
HK$37,080
baseline
▲ 0.50% · 4.625%
HK$39,336
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,160/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,817
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,858
−HK$1,056/mo
Today · 4.125%
HK$40,914
baseline
▲ 0.50% · 4.625%
HK$43,071
+HK$2,157/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,828/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,861
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,257
−HK$1,417/mo
Today · 4.125%
HK$47,674
baseline
▲ 0.50% · 4.625%
HK$50,575
+HK$2,901/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,348/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,908
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,246
−HK$1,358/mo
Today · 4.125%
HK$52,604
baseline
▲ 0.50% · 4.625%
HK$55,377
+HK$2,773/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,208/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,870 · Scale 2, in force from 26 Feb 2026)