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$24,897
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,671
−HK$787/mo
Today · 4.125%
HK$26,458
baseline
▲ 0.50% · 4.625%
HK$28,068
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,916/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,698
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,441
−HK$753/mo
Today · 4.125%
HK$29,194
baseline
▲ 0.50% · 4.625%
HK$30,733
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,388/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,876
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,806
−HK$944/mo
Today · 4.125%
HK$31,750
baseline
▲ 0.50% · 4.625%
HK$33,682
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,500/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,237
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,129
−HK$904/mo
Today · 4.125%
HK$35,033
baseline
▲ 0.50% · 4.625%
HK$36,880
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,066/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,856
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,940
−HK$1,102/mo
Today · 4.125%
HK$37,042
baseline
▲ 0.50% · 4.625%
HK$39,296
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$74,084/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,777
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,817
−HK$1,055/mo
Today · 4.125%
HK$40,872
baseline
▲ 0.50% · 4.625%
HK$43,026
+HK$2,154/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$81,744/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,815
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,209
−HK$1,416/mo
Today · 4.125%
HK$47,625
baseline
▲ 0.50% · 4.625%
HK$50,523
+HK$2,898/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,250/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,856
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,193
−HK$1,356/mo
Today · 4.125%
HK$52,549
baseline
▲ 0.50% · 4.625%
HK$55,319
+HK$2,770/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,098/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,445 · Scale 2, in force from 26 Feb 2026)