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$24,889
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,663
−HK$787/mo
Today · 4.125%
HK$26,450
baseline
▲ 0.50% · 4.625%
HK$28,059
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,900/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,689
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,432
−HK$753/mo
Today · 4.125%
HK$29,185
baseline
▲ 0.50% · 4.625%
HK$30,723
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,370/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,867
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,796
−HK$944/mo
Today · 4.125%
HK$31,740
baseline
▲ 0.50% · 4.625%
HK$33,671
+HK$1,931/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,480/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,227
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,118
−HK$904/mo
Today · 4.125%
HK$35,022
baseline
▲ 0.50% · 4.625%
HK$36,868
+HK$1,846/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,044/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,845
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,929
−HK$1,101/mo
Today · 4.125%
HK$37,030
baseline
▲ 0.50% · 4.625%
HK$39,283
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,060/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,765
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,804
−HK$1,055/mo
Today · 4.125%
HK$40,859
baseline
▲ 0.50% · 4.625%
HK$43,013
+HK$2,154/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,718/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,800
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,194
−HK$1,416/mo
Today · 4.125%
HK$47,610
baseline
▲ 0.50% · 4.625%
HK$50,507
+HK$2,897/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,220/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,840
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,177
−HK$1,356/mo
Today · 4.125%
HK$52,533
baseline
▲ 0.50% · 4.625%
HK$55,302
+HK$2,769/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,066/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,316 · Scale 2, in force from 26 Feb 2026)