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$24,884
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,658
−HK$787/mo
Today · 4.125%
HK$26,445
baseline
▲ 0.50% · 4.625%
HK$28,054
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,890/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,683
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,426
−HK$753/mo
Today · 4.125%
HK$29,179
baseline
▲ 0.50% · 4.625%
HK$30,717
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,358/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,861
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,790
−HK$944/mo
Today · 4.125%
HK$31,734
baseline
▲ 0.50% · 4.625%
HK$33,664
+HK$1,930/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,468/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,220
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,111
−HK$904/mo
Today · 4.125%
HK$35,015
baseline
▲ 0.50% · 4.625%
HK$36,860
+HK$1,845/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,030/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,838
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,921
−HK$1,101/mo
Today · 4.125%
HK$37,022
baseline
▲ 0.50% · 4.625%
HK$39,275
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,044/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,757
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,796
−HK$1,055/mo
Today · 4.125%
HK$40,851
baseline
▲ 0.50% · 4.625%
HK$43,004
+HK$2,153/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,702/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,791
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,185
−HK$1,415/mo
Today · 4.125%
HK$47,600
baseline
▲ 0.50% · 4.625%
HK$50,497
+HK$2,897/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,200/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,830
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,166
−HK$1,356/mo
Today · 4.125%
HK$52,522
baseline
▲ 0.50% · 4.625%
HK$55,291
+HK$2,769/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,044/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,233 · Scale 2, in force from 26 Feb 2026)