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$24,917
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,692
−HK$787/mo
Today · 4.125%
HK$26,479
baseline
▲ 0.50% · 4.625%
HK$28,090
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,958/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,719
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,463
−HK$754/mo
Today · 4.125%
HK$29,217
baseline
▲ 0.50% · 4.625%
HK$30,757
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,434/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,900
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,830
−HK$945/mo
Today · 4.125%
HK$31,775
baseline
▲ 0.50% · 4.625%
HK$33,708
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,550/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,263
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,155
−HK$905/mo
Today · 4.125%
HK$35,060
baseline
▲ 0.50% · 4.625%
HK$36,909
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,120/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,883
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,968
−HK$1,103/mo
Today · 4.125%
HK$37,071
baseline
▲ 0.50% · 4.625%
HK$39,326
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,142/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,807
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,848
−HK$1,056/mo
Today · 4.125%
HK$40,904
baseline
▲ 0.50% · 4.625%
HK$43,060
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,808/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,850
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,245
−HK$1,417/mo
Today · 4.125%
HK$47,662
baseline
▲ 0.50% · 4.625%
HK$50,562
+HK$2,900/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,324/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,895
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,233
−HK$1,358/mo
Today · 4.125%
HK$52,591
baseline
▲ 0.50% · 4.625%
HK$55,363
+HK$2,772/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,182/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,766 · Scale 2, in force from 26 Feb 2026)