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$24,888
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,662
−HK$787/mo
Today · 4.125%
HK$26,449
baseline
▲ 0.50% · 4.625%
HK$28,058
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,898/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,688
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,431
−HK$753/mo
Today · 4.125%
HK$29,184
baseline
▲ 0.50% · 4.625%
HK$30,722
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,368/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,866
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,795
−HK$944/mo
Today · 4.125%
HK$31,739
baseline
▲ 0.50% · 4.625%
HK$33,670
+HK$1,931/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,478/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,226
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,117
−HK$904/mo
Today · 4.125%
HK$35,021
baseline
▲ 0.50% · 4.625%
HK$36,867
+HK$1,846/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,042/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,844
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,927
−HK$1,102/mo
Today · 4.125%
HK$37,029
baseline
▲ 0.50% · 4.625%
HK$39,282
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,058/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,763
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,803
−HK$1,054/mo
Today · 4.125%
HK$40,857
baseline
▲ 0.50% · 4.625%
HK$43,011
+HK$2,154/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,714/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,799
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,192
−HK$1,416/mo
Today · 4.125%
HK$47,608
baseline
▲ 0.50% · 4.625%
HK$50,505
+HK$2,897/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,216/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,838
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,175
−HK$1,356/mo
Today · 4.125%
HK$52,531
baseline
▲ 0.50% · 4.625%
HK$55,300
+HK$2,769/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,062/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,302 · Scale 2, in force from 26 Feb 2026)