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$24,890
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,664
−HK$787/mo
Today · 4.125%
HK$26,451
baseline
▲ 0.50% · 4.625%
HK$28,061
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,902/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,690
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,433
−HK$753/mo
Today · 4.125%
HK$29,186
baseline
▲ 0.50% · 4.625%
HK$30,725
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,372/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,868
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,797
−HK$944/mo
Today · 4.125%
HK$31,741
baseline
▲ 0.50% · 4.625%
HK$33,673
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,482/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,228
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,119
−HK$904/mo
Today · 4.125%
HK$35,023
baseline
▲ 0.50% · 4.625%
HK$36,870
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,046/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,846
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,930
−HK$1,102/mo
Today · 4.125%
HK$37,032
baseline
▲ 0.50% · 4.625%
HK$39,285
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,064/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,766
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,806
−HK$1,055/mo
Today · 4.125%
HK$40,861
baseline
▲ 0.50% · 4.625%
HK$43,014
+HK$2,153/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,722/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,802
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,196
−HK$1,416/mo
Today · 4.125%
HK$47,612
baseline
▲ 0.50% · 4.625%
HK$50,509
+HK$2,897/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,224/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,842
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,179
−HK$1,356/mo
Today · 4.125%
HK$52,535
baseline
▲ 0.50% · 4.625%
HK$55,304
+HK$2,769/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,070/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,333 · Scale 2, in force from 26 Feb 2026)