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$24,906
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,681
−HK$787/mo
Today · 4.125%
HK$26,468
baseline
▲ 0.50% · 4.625%
HK$28,079
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,936/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,708
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,451
−HK$754/mo
Today · 4.125%
HK$29,205
baseline
▲ 0.50% · 4.625%
HK$30,744
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,410/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,887
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,817
−HK$945/mo
Today · 4.125%
HK$31,762
baseline
▲ 0.50% · 4.625%
HK$33,694
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,524/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,249
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,141
−HK$905/mo
Today · 4.125%
HK$35,046
baseline
▲ 0.50% · 4.625%
HK$36,893
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,092/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,869
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,953
−HK$1,102/mo
Today · 4.125%
HK$37,055
baseline
▲ 0.50% · 4.625%
HK$39,310
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,110/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,791
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,831
−HK$1,056/mo
Today · 4.125%
HK$40,887
baseline
▲ 0.50% · 4.625%
HK$43,042
+HK$2,155/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,774/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,831
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,226
−HK$1,416/mo
Today · 4.125%
HK$47,642
baseline
▲ 0.50% · 4.625%
HK$50,541
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,284/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,874
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,212
−HK$1,357/mo
Today · 4.125%
HK$52,569
baseline
▲ 0.50% · 4.625%
HK$55,340
+HK$2,771/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,138/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,595 · Scale 2, in force from 26 Feb 2026)