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$24,891
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,666
−HK$786/mo
Today · 4.125%
HK$26,452
baseline
▲ 0.50% · 4.625%
HK$28,062
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,904/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,691
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,434
−HK$753/mo
Today · 4.125%
HK$29,187
baseline
▲ 0.50% · 4.625%
HK$30,726
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,374/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,870
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,799
−HK$944/mo
Today · 4.125%
HK$31,743
baseline
▲ 0.50% · 4.625%
HK$33,674
+HK$1,931/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,486/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,230
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,121
−HK$904/mo
Today · 4.125%
HK$35,025
baseline
▲ 0.50% · 4.625%
HK$36,871
+HK$1,846/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,050/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,848
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,932
−HK$1,101/mo
Today · 4.125%
HK$37,033
baseline
▲ 0.50% · 4.625%
HK$39,286
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,066/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,768
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,808
−HK$1,054/mo
Today · 4.125%
HK$40,862
baseline
▲ 0.50% · 4.625%
HK$43,016
+HK$2,154/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,724/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,804
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,198
−HK$1,416/mo
Today · 4.125%
HK$47,614
baseline
▲ 0.50% · 4.625%
HK$50,511
+HK$2,897/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,228/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,844
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,181
−HK$1,356/mo
Today · 4.125%
HK$52,537
baseline
▲ 0.50% · 4.625%
HK$55,307
+HK$2,770/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,074/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,350 · Scale 2, in force from 26 Feb 2026)