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$24,887
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,661
−HK$787/mo
Today · 4.125%
HK$26,448
baseline
▲ 0.50% · 4.625%
HK$28,057
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,896/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,687
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,429
−HK$754/mo
Today · 4.125%
HK$29,183
baseline
▲ 0.50% · 4.625%
HK$30,721
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,366/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,865
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,794
−HK$943/mo
Today · 4.125%
HK$31,737
baseline
▲ 0.50% · 4.625%
HK$33,668
+HK$1,931/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,474/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,224
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,115
−HK$904/mo
Today · 4.125%
HK$35,019
baseline
▲ 0.50% · 4.625%
HK$36,865
+HK$1,846/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,038/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,842
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,926
−HK$1,101/mo
Today · 4.125%
HK$37,027
baseline
▲ 0.50% · 4.625%
HK$39,280
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,054/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,761
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,801
−HK$1,055/mo
Today · 4.125%
HK$40,856
baseline
▲ 0.50% · 4.625%
HK$43,009
+HK$2,153/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,712/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,797
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,190
−HK$1,416/mo
Today · 4.125%
HK$47,606
baseline
▲ 0.50% · 4.625%
HK$50,503
+HK$2,897/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,212/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,836
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,173
−HK$1,356/mo
Today · 4.125%
HK$52,529
baseline
▲ 0.50% · 4.625%
HK$55,297
+HK$2,768/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,058/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,282 · Scale 2, in force from 26 Feb 2026)