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$24,907
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,682
−HK$787/mo
Today · 4.125%
HK$26,469
baseline
▲ 0.50% · 4.625%
HK$28,080
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,938/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,709
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,452
−HK$754/mo
Today · 4.125%
HK$29,206
baseline
▲ 0.50% · 4.625%
HK$30,746
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,412/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,889
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,819
−HK$944/mo
Today · 4.125%
HK$31,763
baseline
▲ 0.50% · 4.625%
HK$33,696
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,526/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,251
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,143
−HK$905/mo
Today · 4.125%
HK$35,048
baseline
▲ 0.50% · 4.625%
HK$36,895
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,096/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,870
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,955
−HK$1,102/mo
Today · 4.125%
HK$37,057
baseline
▲ 0.50% · 4.625%
HK$39,312
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,114/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,793
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,833
−HK$1,056/mo
Today · 4.125%
HK$40,889
baseline
▲ 0.50% · 4.625%
HK$43,044
+HK$2,155/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,778/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,833
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,228
−HK$1,417/mo
Today · 4.125%
HK$47,645
baseline
▲ 0.50% · 4.625%
HK$50,544
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,290/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,877
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,214
−HK$1,357/mo
Today · 4.125%
HK$52,571
baseline
▲ 0.50% · 4.625%
HK$55,342
+HK$2,771/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,142/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,616 · Scale 2, in force from 26 Feb 2026)