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$24,913
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,688
−HK$788/mo
Today · 4.125%
HK$26,476
baseline
▲ 0.50% · 4.625%
HK$28,087
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,952/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,716
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,459
−HK$754/mo
Today · 4.125%
HK$29,213
baseline
▲ 0.50% · 4.625%
HK$30,753
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,426/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,896
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,826
−HK$945/mo
Today · 4.125%
HK$31,771
baseline
▲ 0.50% · 4.625%
HK$33,704
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,542/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,259
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,151
−HK$905/mo
Today · 4.125%
HK$35,056
baseline
▲ 0.50% · 4.625%
HK$36,904
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,112/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,879
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,964
−HK$1,102/mo
Today · 4.125%
HK$37,066
baseline
▲ 0.50% · 4.625%
HK$39,321
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,132/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,802
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,843
−HK$1,056/mo
Today · 4.125%
HK$40,899
baseline
▲ 0.50% · 4.625%
HK$43,055
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,798/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,844
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,239
−HK$1,417/mo
Today · 4.125%
HK$47,656
baseline
▲ 0.50% · 4.625%
HK$50,556
+HK$2,900/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,312/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,889
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,227
−HK$1,357/mo
Today · 4.125%
HK$52,584
baseline
▲ 0.50% · 4.625%
HK$55,356
+HK$2,772/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,168/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,715 · Scale 2, in force from 26 Feb 2026)