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$24,915
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,690
−HK$787/mo
Today · 4.125%
HK$26,477
baseline
▲ 0.50% · 4.625%
HK$28,088
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,954/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,717
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,461
−HK$754/mo
Today · 4.125%
HK$29,215
baseline
▲ 0.50% · 4.625%
HK$30,755
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,430/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,898
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,828
−HK$945/mo
Today · 4.125%
HK$31,773
baseline
▲ 0.50% · 4.625%
HK$33,706
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,546/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,261
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,153
−HK$905/mo
Today · 4.125%
HK$35,058
baseline
▲ 0.50% · 4.625%
HK$36,906
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,116/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,881
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,966
−HK$1,102/mo
Today · 4.125%
HK$37,068
baseline
▲ 0.50% · 4.625%
HK$39,323
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,136/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,804
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,845
−HK$1,056/mo
Today · 4.125%
HK$40,901
baseline
▲ 0.50% · 4.625%
HK$43,057
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,802/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,847
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,242
−HK$1,417/mo
Today · 4.125%
HK$47,659
baseline
▲ 0.50% · 4.625%
HK$50,559
+HK$2,900/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,318/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,891
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,229
−HK$1,358/mo
Today · 4.125%
HK$52,587
baseline
▲ 0.50% · 4.625%
HK$55,359
+HK$2,772/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,174/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,736 · Scale 2, in force from 26 Feb 2026)