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$24,882
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,656
−HK$787/mo
Today · 4.125%
HK$26,443
baseline
▲ 0.50% · 4.625%
HK$28,052
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,886/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,681
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,424
−HK$753/mo
Today · 4.125%
HK$29,177
baseline
▲ 0.50% · 4.625%
HK$30,715
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,354/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,859
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,787
−HK$944/mo
Today · 4.125%
HK$31,731
baseline
▲ 0.50% · 4.625%
HK$33,662
+HK$1,931/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$63,462/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,217
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,108
−HK$904/mo
Today · 4.125%
HK$35,012
baseline
▲ 0.50% · 4.625%
HK$36,858
+HK$1,846/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$70,024/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,835
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,919
−HK$1,101/mo
Today · 4.125%
HK$37,020
baseline
▲ 0.50% · 4.625%
HK$39,272
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,040/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,754
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,793
−HK$1,054/mo
Today · 4.125%
HK$40,847
baseline
▲ 0.50% · 4.625%
HK$43,001
+HK$2,154/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,694/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,788
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,181
−HK$1,416/mo
Today · 4.125%
HK$47,597
baseline
▲ 0.50% · 4.625%
HK$50,493
+HK$2,896/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,194/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,826
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,163
−HK$1,355/mo
Today · 4.125%
HK$52,518
baseline
▲ 0.50% · 4.625%
HK$55,286
+HK$2,768/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,036/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,202 · Scale 2, in force from 26 Feb 2026)