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$24,885
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,659
−HK$787/mo
Today · 4.125%
HK$26,446
baseline
▲ 0.50% · 4.625%
HK$28,055
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,892/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,685
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,427
−HK$753/mo
Today · 4.125%
HK$29,180
baseline
▲ 0.50% · 4.625%
HK$30,718
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,360/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,862
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,791
−HK$944/mo
Today · 4.125%
HK$31,735
baseline
▲ 0.50% · 4.625%
HK$33,666
+HK$1,931/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,470/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,221
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,112
−HK$904/mo
Today · 4.125%
HK$35,016
baseline
▲ 0.50% · 4.625%
HK$36,862
+HK$1,846/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,032/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,839
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,923
−HK$1,101/mo
Today · 4.125%
HK$37,024
baseline
▲ 0.50% · 4.625%
HK$39,277
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,048/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,758
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,798
−HK$1,054/mo
Today · 4.125%
HK$40,852
baseline
▲ 0.50% · 4.625%
HK$43,006
+HK$2,154/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,704/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,793
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,187
−HK$1,415/mo
Today · 4.125%
HK$47,602
baseline
▲ 0.50% · 4.625%
HK$50,499
+HK$2,897/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,204/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,832
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,169
−HK$1,355/mo
Today · 4.125%
HK$52,524
baseline
▲ 0.50% · 4.625%
HK$55,293
+HK$2,769/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,048/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,251 · Scale 2, in force from 26 Feb 2026)