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$24,931
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,706
−HK$788/mo
Today · 4.125%
HK$26,494
baseline
▲ 0.50% · 4.625%
HK$28,106
+HK$1,612/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$52,988/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,735
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,479
−HK$755/mo
Today · 4.125%
HK$29,234
baseline
▲ 0.50% · 4.625%
HK$30,775
+HK$1,541/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,468/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$409,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,917
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,847
−HK$946/mo
Today · 4.125%
HK$31,793
baseline
▲ 0.50% · 4.625%
HK$33,727
+HK$1,934/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,586/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,282
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,175
−HK$905/mo
Today · 4.125%
HK$35,080
baseline
▲ 0.50% · 4.625%
HK$36,929
+HK$1,849/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,160/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,903
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,989
−HK$1,103/mo
Today · 4.125%
HK$37,092
baseline
▲ 0.50% · 4.625%
HK$39,349
+HK$2,257/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,184/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,829
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,871
−HK$1,056/mo
Today · 4.125%
HK$40,927
baseline
▲ 0.50% · 4.625%
HK$43,084
+HK$2,157/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,854/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,875
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,271
−HK$1,418/mo
Today · 4.125%
HK$47,689
baseline
▲ 0.50% · 4.625%
HK$50,591
+HK$2,902/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$95,378/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,923
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,262
−HK$1,358/mo
Today · 4.125%
HK$52,620
baseline
▲ 0.50% · 4.625%
HK$55,394
+HK$2,774/mo
Deposit HK$1.09M · loan HK$9.84M · min. income ≈ HK$105,240/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,998 · Scale 2, in force from 26 Feb 2026)