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$24,898
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,673
−HK$786/mo
Today · 4.125%
HK$26,459
baseline
▲ 0.50% · 4.625%
HK$28,069
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,918/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,699
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,442
−HK$753/mo
Today · 4.125%
HK$29,195
baseline
▲ 0.50% · 4.625%
HK$30,734
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,390/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,878
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,807
−HK$944/mo
Today · 4.125%
HK$31,751
baseline
▲ 0.50% · 4.625%
HK$33,683
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,502/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,239
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,130
−HK$904/mo
Today · 4.125%
HK$35,034
baseline
▲ 0.50% · 4.625%
HK$36,881
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,068/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,857
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,942
−HK$1,101/mo
Today · 4.125%
HK$37,043
baseline
▲ 0.50% · 4.625%
HK$39,297
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$74,086/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,778
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,818
−HK$1,056/mo
Today · 4.125%
HK$40,874
baseline
▲ 0.50% · 4.625%
HK$43,028
+HK$2,154/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$81,748/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,817
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,211
−HK$1,416/mo
Today · 4.125%
HK$47,627
baseline
▲ 0.50% · 4.625%
HK$50,525
+HK$2,898/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,254/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,858
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,195
−HK$1,357/mo
Today · 4.125%
HK$52,552
baseline
▲ 0.50% · 4.625%
HK$55,322
+HK$2,770/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,104/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,463 · Scale 2, in force from 26 Feb 2026)