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$24,896
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,670
−HK$787/mo
Today · 4.125%
HK$26,457
baseline
▲ 0.50% · 4.625%
HK$28,067
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,914/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,696
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,439
−HK$753/mo
Today · 4.125%
HK$29,192
baseline
▲ 0.50% · 4.625%
HK$30,731
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,384/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,875
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,804
−HK$944/mo
Today · 4.125%
HK$31,748
baseline
▲ 0.50% · 4.625%
HK$33,680
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,496/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,235
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,127
−HK$904/mo
Today · 4.125%
HK$35,031
baseline
▲ 0.50% · 4.625%
HK$36,877
+HK$1,846/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,062/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,854
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,938
−HK$1,102/mo
Today · 4.125%
HK$37,040
baseline
▲ 0.50% · 4.625%
HK$39,293
+HK$2,253/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$74,080/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,775
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,814
−HK$1,055/mo
Today · 4.125%
HK$40,869
baseline
▲ 0.50% · 4.625%
HK$43,024
+HK$2,155/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$81,738/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,812
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,206
−HK$1,416/mo
Today · 4.125%
HK$47,622
baseline
▲ 0.50% · 4.625%
HK$50,520
+HK$2,898/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,244/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,853
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,190
−HK$1,356/mo
Today · 4.125%
HK$52,546
baseline
▲ 0.50% · 4.625%
HK$55,316
+HK$2,770/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,092/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,422 · Scale 2, in force from 26 Feb 2026)