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$24,892
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,666
−HK$787/mo
Today · 4.125%
HK$26,453
baseline
▲ 0.50% · 4.625%
HK$28,063
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,906/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,692
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,435
−HK$753/mo
Today · 4.125%
HK$29,188
baseline
▲ 0.50% · 4.625%
HK$30,727
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,376/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,871
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,800
−HK$944/mo
Today · 4.125%
HK$31,744
baseline
▲ 0.50% · 4.625%
HK$33,675
+HK$1,931/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,488/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,231
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,122
−HK$904/mo
Today · 4.125%
HK$35,026
baseline
▲ 0.50% · 4.625%
HK$36,872
+HK$1,846/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,052/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,849
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,933
−HK$1,101/mo
Today · 4.125%
HK$37,034
baseline
▲ 0.50% · 4.625%
HK$39,288
+HK$2,254/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,068/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,769
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,809
−HK$1,055/mo
Today · 4.125%
HK$40,864
baseline
▲ 0.50% · 4.625%
HK$43,018
+HK$2,154/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,728/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,806
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,199
−HK$1,416/mo
Today · 4.125%
HK$47,615
baseline
▲ 0.50% · 4.625%
HK$50,513
+HK$2,898/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,230/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,846
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,183
−HK$1,356/mo
Today · 4.125%
HK$52,539
baseline
▲ 0.50% · 4.625%
HK$55,308
+HK$2,769/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,078/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,364 · Scale 2, in force from 26 Feb 2026)