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$24,905
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,679
−HK$787/mo
Today · 4.125%
HK$26,466
baseline
▲ 0.50% · 4.625%
HK$28,077
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,932/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,706
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,449
−HK$754/mo
Today · 4.125%
HK$29,203
baseline
▲ 0.50% · 4.625%
HK$30,742
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,406/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,885
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,815
−HK$945/mo
Today · 4.125%
HK$31,760
baseline
▲ 0.50% · 4.625%
HK$33,692
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,520/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,247
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,139
−HK$904/mo
Today · 4.125%
HK$35,043
baseline
▲ 0.50% · 4.625%
HK$36,891
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,086/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,866
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,951
−HK$1,102/mo
Today · 4.125%
HK$37,053
baseline
▲ 0.50% · 4.625%
HK$39,307
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,106/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,788
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,829
−HK$1,055/mo
Today · 4.125%
HK$40,884
baseline
▲ 0.50% · 4.625%
HK$43,039
+HK$2,155/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,768/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,828
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,223
−HK$1,416/mo
Today · 4.125%
HK$47,639
baseline
▲ 0.50% · 4.625%
HK$50,538
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,278/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,871
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,208
−HK$1,357/mo
Today · 4.125%
HK$52,565
baseline
▲ 0.50% · 4.625%
HK$55,336
+HK$2,771/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,130/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,568 · Scale 2, in force from 26 Feb 2026)