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$24,916
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,691
−HK$787/mo
Today · 4.125%
HK$26,478
baseline
▲ 0.50% · 4.625%
HK$28,090
+HK$1,612/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,956/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,719
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,462
−HK$754/mo
Today · 4.125%
HK$29,216
baseline
▲ 0.50% · 4.625%
HK$30,756
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,432/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,899
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,829
−HK$945/mo
Today · 4.125%
HK$31,774
baseline
▲ 0.50% · 4.625%
HK$33,707
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,548/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,263
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,155
−HK$905/mo
Today · 4.125%
HK$35,060
baseline
▲ 0.50% · 4.625%
HK$36,908
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,120/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,882
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,967
−HK$1,103/mo
Today · 4.125%
HK$37,070
baseline
▲ 0.50% · 4.625%
HK$39,325
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,140/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,806
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,847
−HK$1,056/mo
Today · 4.125%
HK$40,903
baseline
▲ 0.50% · 4.625%
HK$43,059
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,806/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,849
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,244
−HK$1,417/mo
Today · 4.125%
HK$47,661
baseline
▲ 0.50% · 4.625%
HK$50,561
+HK$2,900/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,322/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,894
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,232
−HK$1,357/mo
Today · 4.125%
HK$52,589
baseline
▲ 0.50% · 4.625%
HK$55,361
+HK$2,772/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,178/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,757 · Scale 2, in force from 26 Feb 2026)