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$24,881
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,655
−HK$786/mo
Today · 4.125%
HK$26,441
baseline
▲ 0.50% · 4.625%
HK$28,050
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,882/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,680
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,422
−HK$753/mo
Today · 4.125%
HK$29,175
baseline
▲ 0.50% · 4.625%
HK$30,713
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,350/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,857
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,786
−HK$944/mo
Today · 4.125%
HK$31,730
baseline
▲ 0.50% · 4.625%
HK$33,660
+HK$1,930/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$63,460/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,216
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,107
−HK$903/mo
Today · 4.125%
HK$35,010
baseline
▲ 0.50% · 4.625%
HK$36,856
+HK$1,846/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$70,020/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,833
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,917
−HK$1,101/mo
Today · 4.125%
HK$37,018
baseline
▲ 0.50% · 4.625%
HK$39,270
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,036/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,752
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,791
−HK$1,054/mo
Today · 4.125%
HK$40,845
baseline
▲ 0.50% · 4.625%
HK$42,998
+HK$2,153/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,690/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,786
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,179
−HK$1,415/mo
Today · 4.125%
HK$47,594
baseline
▲ 0.50% · 4.625%
HK$50,490
+HK$2,896/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,188/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,824
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,160
−HK$1,356/mo
Today · 4.125%
HK$52,516
baseline
▲ 0.50% · 4.625%
HK$55,284
+HK$2,768/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,032/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,182 · Scale 2, in force from 26 Feb 2026)