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$24,929
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,705
−HK$788/mo
Today · 4.125%
HK$26,493
baseline
▲ 0.50% · 4.625%
HK$28,105
+HK$1,612/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$52,986/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,734
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,478
−HK$754/mo
Today · 4.125%
HK$29,232
baseline
▲ 0.50% · 4.625%
HK$30,773
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,464/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,915
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,846
−HK$945/mo
Today · 4.125%
HK$31,791
baseline
▲ 0.50% · 4.625%
HK$33,726
+HK$1,935/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,582/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,281
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,173
−HK$906/mo
Today · 4.125%
HK$35,079
baseline
▲ 0.50% · 4.625%
HK$36,928
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,158/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,901
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,987
−HK$1,103/mo
Today · 4.125%
HK$37,090
baseline
▲ 0.50% · 4.625%
HK$39,347
+HK$2,257/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,180/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,827
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,869
−HK$1,056/mo
Today · 4.125%
HK$40,925
baseline
▲ 0.50% · 4.625%
HK$43,082
+HK$2,157/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,850/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,873
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,269
−HK$1,418/mo
Today · 4.125%
HK$47,687
baseline
▲ 0.50% · 4.625%
HK$50,589
+HK$2,902/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,374/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,921
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,260
−HK$1,358/mo
Today · 4.125%
HK$52,618
baseline
▲ 0.50% · 4.625%
HK$55,391
+HK$2,773/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,236/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,979 · Scale 2, in force from 26 Feb 2026)