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$24,890
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,664
−HK$787/mo
Today · 4.125%
HK$26,451
baseline
▲ 0.50% · 4.625%
HK$28,060
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,902/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,690
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,432
−HK$754/mo
Today · 4.125%
HK$29,186
baseline
▲ 0.50% · 4.625%
HK$30,724
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,372/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,868
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,797
−HK$944/mo
Today · 4.125%
HK$31,741
baseline
▲ 0.50% · 4.625%
HK$33,672
+HK$1,931/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,482/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,228
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,119
−HK$904/mo
Today · 4.125%
HK$35,023
baseline
▲ 0.50% · 4.625%
HK$36,869
+HK$1,846/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,046/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,846
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,930
−HK$1,101/mo
Today · 4.125%
HK$37,031
baseline
▲ 0.50% · 4.625%
HK$39,284
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,062/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,766
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,805
−HK$1,055/mo
Today · 4.125%
HK$40,860
baseline
▲ 0.50% · 4.625%
HK$43,014
+HK$2,154/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,720/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,802
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,196
−HK$1,415/mo
Today · 4.125%
HK$47,611
baseline
▲ 0.50% · 4.625%
HK$50,508
+HK$2,897/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,222/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,842
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,178
−HK$1,356/mo
Today · 4.125%
HK$52,534
baseline
▲ 0.50% · 4.625%
HK$55,304
+HK$2,770/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,068/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,329 · Scale 2, in force from 26 Feb 2026)