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$25,034
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,813
−HK$791/mo
Today · 4.125%
HK$26,604
baseline
▲ 0.50% · 4.625%
HK$28,223
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,208/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,850
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,597
−HK$758/mo
Today · 4.125%
HK$29,355
baseline
▲ 0.50% · 4.625%
HK$30,902
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,710/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,041
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,975
−HK$950/mo
Today · 4.125%
HK$31,925
baseline
▲ 0.50% · 4.625%
HK$33,867
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,850/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,420
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,317
−HK$909/mo
Today · 4.125%
HK$35,226
baseline
▲ 0.50% · 4.625%
HK$37,083
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,452/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,048
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,138
−HK$1,108/mo
Today · 4.125%
HK$37,246
baseline
▲ 0.50% · 4.625%
HK$39,512
+HK$2,266/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,492/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,990
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,036
−HK$1,061/mo
Today · 4.125%
HK$41,097
baseline
▲ 0.50% · 4.625%
HK$43,263
+HK$2,166/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,194/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,061
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,463
−HK$1,424/mo
Today · 4.125%
HK$47,887
baseline
▲ 0.50% · 4.625%
HK$50,801
+HK$2,914/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,774/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,130
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,475
−HK$1,364/mo
Today · 4.125%
HK$52,839
baseline
▲ 0.50% · 4.625%
HK$55,624
+HK$2,785/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,678/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,700 · Scale 2, in force from 26 Feb 2026)