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$24,906
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,681
−HK$787/mo
Today · 4.125%
HK$26,468
baseline
▲ 0.50% · 4.625%
HK$28,078
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,936/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,708
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,451
−HK$753/mo
Today · 4.125%
HK$29,204
baseline
▲ 0.50% · 4.625%
HK$30,744
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,408/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,887
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,817
−HK$944/mo
Today · 4.125%
HK$31,761
baseline
▲ 0.50% · 4.625%
HK$33,694
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,522/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,249
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,141
−HK$904/mo
Today · 4.125%
HK$35,045
baseline
▲ 0.50% · 4.625%
HK$36,893
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,090/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,868
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,953
−HK$1,102/mo
Today · 4.125%
HK$37,055
baseline
▲ 0.50% · 4.625%
HK$39,309
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,110/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,791
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,831
−HK$1,055/mo
Today · 4.125%
HK$40,886
baseline
▲ 0.50% · 4.625%
HK$43,041
+HK$2,155/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,772/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,831
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,225
−HK$1,417/mo
Today · 4.125%
HK$47,642
baseline
▲ 0.50% · 4.625%
HK$50,541
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,284/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,874
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,211
−HK$1,357/mo
Today · 4.125%
HK$52,568
baseline
▲ 0.50% · 4.625%
HK$55,339
+HK$2,771/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,136/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,591 · Scale 2, in force from 26 Feb 2026)