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$24,886
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,660
−HK$787/mo
Today · 4.125%
HK$26,447
baseline
▲ 0.50% · 4.625%
HK$28,056
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,894/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,686
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,428
−HK$753/mo
Today · 4.125%
HK$29,181
baseline
▲ 0.50% · 4.625%
HK$30,720
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,362/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,863
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,792
−HK$944/mo
Today · 4.125%
HK$31,736
baseline
▲ 0.50% · 4.625%
HK$33,667
+HK$1,931/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,472/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,223
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,114
−HK$904/mo
Today · 4.125%
HK$35,018
baseline
▲ 0.50% · 4.625%
HK$36,863
+HK$1,845/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,036/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,841
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,924
−HK$1,101/mo
Today · 4.125%
HK$37,025
baseline
▲ 0.50% · 4.625%
HK$39,278
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,050/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,760
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,799
−HK$1,055/mo
Today · 4.125%
HK$40,854
baseline
▲ 0.50% · 4.625%
HK$43,007
+HK$2,153/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,708/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,795
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,188
−HK$1,416/mo
Today · 4.125%
HK$47,604
baseline
▲ 0.50% · 4.625%
HK$50,501
+HK$2,897/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,208/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,834
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,171
−HK$1,355/mo
Today · 4.125%
HK$52,526
baseline
▲ 0.50% · 4.625%
HK$55,295
+HK$2,769/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,052/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,266 · Scale 2, in force from 26 Feb 2026)