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$24,909
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,684
−HK$787/mo
Today · 4.125%
HK$26,471
baseline
▲ 0.50% · 4.625%
HK$28,081
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,942/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,711
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,454
−HK$754/mo
Today · 4.125%
HK$29,208
baseline
▲ 0.50% · 4.625%
HK$30,747
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,416/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,890
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,820
−HK$945/mo
Today · 4.125%
HK$31,765
baseline
▲ 0.50% · 4.625%
HK$33,698
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,530/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,253
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,145
−HK$904/mo
Today · 4.125%
HK$35,049
baseline
▲ 0.50% · 4.625%
HK$36,897
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,098/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,872
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,957
−HK$1,102/mo
Today · 4.125%
HK$37,059
baseline
▲ 0.50% · 4.625%
HK$39,314
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,118/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,795
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,835
−HK$1,056/mo
Today · 4.125%
HK$40,891
baseline
▲ 0.50% · 4.625%
HK$43,046
+HK$2,155/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,782/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,836
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,230
−HK$1,417/mo
Today · 4.125%
HK$47,647
baseline
▲ 0.50% · 4.625%
HK$50,546
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,294/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,879
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,217
−HK$1,357/mo
Today · 4.125%
HK$52,574
baseline
▲ 0.50% · 4.625%
HK$55,345
+HK$2,771/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,148/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,637 · Scale 2, in force from 26 Feb 2026)