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$409,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,697
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,440
−HK$754/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$409,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,876
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,805
−HK$945/mo
Today · 4.125%
HK$31,750
baseline
▲ 0.50% · 4.625%
HK$33,681
+HK$1,931/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$409,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,237
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,128
−HK$905/mo
Today · 4.125%
HK$35,033
baseline
▲ 0.50% · 4.625%
HK$36,879
+HK$1,846/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$409,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,855
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,940
−HK$1,101/mo
Today · 4.125%
HK$37,041
baseline
▲ 0.50% · 4.625%
HK$39,295
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$74,082/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,776
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,816
−HK$1,055/mo
Today · 4.125%
HK$40,871
baseline
▲ 0.50% · 4.625%
HK$43,026
+HK$2,155/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$81,742/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,814
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,208
−HK$1,416/mo
Today · 4.125%
HK$47,624
baseline
▲ 0.50% · 4.625%
HK$50,522
+HK$2,898/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,248/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,855
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,192
−HK$1,357/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$409,440 · Scale 2, in force from 26 Feb 2026)