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$24,926
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,701
−HK$788/mo
Today · 4.125%
HK$26,489
baseline
▲ 0.50% · 4.625%
HK$28,101
+HK$1,612/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$52,978/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,730
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,473
−HK$755/mo
Today · 4.125%
HK$29,228
baseline
▲ 0.50% · 4.625%
HK$30,768
+HK$1,540/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,456/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,911
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,841
−HK$946/mo
Today · 4.125%
HK$31,787
baseline
▲ 0.50% · 4.625%
HK$33,721
+HK$1,934/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,574/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,276
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,168
−HK$905/mo
Today · 4.125%
HK$35,073
baseline
▲ 0.50% · 4.625%
HK$36,922
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,146/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,896
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,981
−HK$1,103/mo
Today · 4.125%
HK$37,084
baseline
▲ 0.50% · 4.625%
HK$39,341
+HK$2,257/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,168/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,821
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,863
−HK$1,056/mo
Today · 4.125%
HK$40,919
baseline
▲ 0.50% · 4.625%
HK$43,076
+HK$2,157/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,838/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,866
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,262
−HK$1,418/mo
Today · 4.125%
HK$47,680
baseline
▲ 0.50% · 4.625%
HK$50,581
+HK$2,901/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,360/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,913
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,252
−HK$1,358/mo
Today · 4.125%
HK$52,610
baseline
▲ 0.50% · 4.625%
HK$55,383
+HK$2,773/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,220/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,916 · Scale 2, in force from 26 Feb 2026)