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$24,920
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,696
−HK$787/mo
Today · 4.125%
HK$26,483
baseline
▲ 0.50% · 4.625%
HK$28,094
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,966/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,724
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,467
−HK$754/mo
Today · 4.125%
HK$29,221
baseline
▲ 0.50% · 4.625%
HK$30,762
+HK$1,541/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,442/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,904
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,835
−HK$945/mo
Today · 4.125%
HK$31,780
baseline
▲ 0.50% · 4.625%
HK$33,713
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,560/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,268
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,161
−HK$905/mo
Today · 4.125%
HK$35,066
baseline
▲ 0.50% · 4.625%
HK$36,914
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,132/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,888
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,974
−HK$1,102/mo
Today · 4.125%
HK$37,076
baseline
▲ 0.50% · 4.625%
HK$39,332
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,152/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,813
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,854
−HK$1,056/mo
Today · 4.125%
HK$40,910
baseline
▲ 0.50% · 4.625%
HK$43,066
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,820/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,857
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,252
−HK$1,418/mo
Today · 4.125%
HK$47,670
baseline
▲ 0.50% · 4.625%
HK$50,570
+HK$2,900/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,340/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,903
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,241
−HK$1,358/mo
Today · 4.125%
HK$52,599
baseline
▲ 0.50% · 4.625%
HK$55,371
+HK$2,772/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,198/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,828 · Scale 2, in force from 26 Feb 2026)