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$24,894
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,668
−HK$787/mo
Today · 4.125%
HK$26,455
baseline
▲ 0.50% · 4.625%
HK$28,065
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,910/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,694
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,437
−HK$754/mo
Today · 4.125%
HK$29,191
baseline
▲ 0.50% · 4.625%
HK$30,729
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,382/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,873
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,802
−HK$944/mo
Today · 4.125%
HK$31,746
baseline
▲ 0.50% · 4.625%
HK$33,678
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,492/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,233
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,124
−HK$905/mo
Today · 4.125%
HK$35,029
baseline
▲ 0.50% · 4.625%
HK$36,875
+HK$1,846/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,058/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,852
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,936
−HK$1,101/mo
Today · 4.125%
HK$37,037
baseline
▲ 0.50% · 4.625%
HK$39,291
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$74,074/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,772
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,812
−HK$1,055/mo
Today · 4.125%
HK$40,867
baseline
▲ 0.50% · 4.625%
HK$43,021
+HK$2,154/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$81,734/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,809
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,203
−HK$1,416/mo
Today · 4.125%
HK$47,619
baseline
▲ 0.50% · 4.625%
HK$50,517
+HK$2,898/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,238/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,850
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,187
−HK$1,356/mo
Today · 4.125%
HK$52,543
baseline
▲ 0.50% · 4.625%
HK$55,313
+HK$2,770/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,086/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,395 · Scale 2, in force from 26 Feb 2026)