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$24,883
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,657
−HK$787/mo
Today · 4.125%
HK$26,444
baseline
▲ 0.50% · 4.625%
HK$28,053
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,888/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,682
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,425
−HK$753/mo
Today · 4.125%
HK$29,178
baseline
▲ 0.50% · 4.625%
HK$30,716
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,356/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,860
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,789
−HK$943/mo
Today · 4.125%
HK$31,732
baseline
▲ 0.50% · 4.625%
HK$33,663
+HK$1,931/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,464/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,219
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,110
−HK$904/mo
Today · 4.125%
HK$35,014
baseline
▲ 0.50% · 4.625%
HK$36,859
+HK$1,845/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,028/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,837
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,920
−HK$1,101/mo
Today · 4.125%
HK$37,021
baseline
▲ 0.50% · 4.625%
HK$39,274
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,042/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,755
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,795
−HK$1,054/mo
Today · 4.125%
HK$40,849
baseline
▲ 0.50% · 4.625%
HK$43,002
+HK$2,153/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,698/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,790
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,183
−HK$1,416/mo
Today · 4.125%
HK$47,599
baseline
▲ 0.50% · 4.625%
HK$50,495
+HK$2,896/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,198/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,828
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,165
−HK$1,355/mo
Today · 4.125%
HK$52,520
baseline
▲ 0.50% · 4.625%
HK$55,289
+HK$2,769/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,040/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,220 · Scale 2, in force from 26 Feb 2026)