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$24,899
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,673
−HK$787/mo
Today · 4.125%
HK$26,460
baseline
▲ 0.50% · 4.625%
HK$28,070
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,920/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,700
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,442
−HK$754/mo
Today · 4.125%
HK$29,196
baseline
▲ 0.50% · 4.625%
HK$30,735
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,392/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,878
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,808
−HK$944/mo
Today · 4.125%
HK$31,752
baseline
▲ 0.50% · 4.625%
HK$33,684
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,504/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,239
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,131
−HK$904/mo
Today · 4.125%
HK$35,035
baseline
▲ 0.50% · 4.625%
HK$36,882
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,070/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,858
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,942
−HK$1,102/mo
Today · 4.125%
HK$37,044
baseline
▲ 0.50% · 4.625%
HK$39,298
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$74,088/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,779
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,819
−HK$1,056/mo
Today · 4.125%
HK$40,875
baseline
▲ 0.50% · 4.625%
HK$43,029
+HK$2,154/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$81,750/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,818
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,212
−HK$1,416/mo
Today · 4.125%
HK$47,628
baseline
▲ 0.50% · 4.625%
HK$50,526
+HK$2,898/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,256/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,859
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,196
−HK$1,357/mo
Today · 4.125%
HK$52,553
baseline
▲ 0.50% · 4.625%
HK$55,323
+HK$2,770/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,106/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,473 · Scale 2, in force from 26 Feb 2026)