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$24,880
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,654
−HK$786/mo
Today · 4.125%
HK$26,440
baseline
▲ 0.50% · 4.625%
HK$28,049
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,880/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,679
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,421
−HK$753/mo
Today · 4.125%
HK$29,174
baseline
▲ 0.50% · 4.625%
HK$30,712
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,348/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,856
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,785
−HK$943/mo
Today · 4.125%
HK$31,728
baseline
▲ 0.50% · 4.625%
HK$33,659
+HK$1,931/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$63,456/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,214
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,105
−HK$904/mo
Today · 4.125%
HK$35,009
baseline
▲ 0.50% · 4.625%
HK$36,854
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$70,018/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,832
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,915
−HK$1,101/mo
Today · 4.125%
HK$37,016
baseline
▲ 0.50% · 4.625%
HK$39,269
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,032/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,750
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,789
−HK$1,055/mo
Today · 4.125%
HK$40,844
baseline
▲ 0.50% · 4.625%
HK$42,997
+HK$2,153/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,688/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,784
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,177
−HK$1,415/mo
Today · 4.125%
HK$47,592
baseline
▲ 0.50% · 4.625%
HK$50,488
+HK$2,896/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,184/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,822
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,158
−HK$1,355/mo
Today · 4.125%
HK$52,513
baseline
▲ 0.50% · 4.625%
HK$55,281
+HK$2,768/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,026/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,164 · Scale 2, in force from 26 Feb 2026)