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$24,914
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,689
−HK$788/mo
Today · 4.125%
HK$26,477
baseline
▲ 0.50% · 4.625%
HK$28,088
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,954/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,717
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,460
−HK$754/mo
Today · 4.125%
HK$29,214
baseline
▲ 0.50% · 4.625%
HK$30,754
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,428/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,897
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,827
−HK$945/mo
Today · 4.125%
HK$31,772
baseline
▲ 0.50% · 4.625%
HK$33,705
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$63,544/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,260
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,152
−HK$905/mo
Today · 4.125%
HK$35,057
baseline
▲ 0.50% · 4.625%
HK$36,905
+HK$1,848/mo
Deposit HK$4.37M · loan HK$6.56M · min. income ≈ HK$70,114/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,880
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,965
−HK$1,102/mo
Today · 4.125%
HK$37,067
baseline
▲ 0.50% · 4.625%
HK$39,323
+HK$2,256/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,134/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,804
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,844
−HK$1,056/mo
Today · 4.125%
HK$40,900
baseline
▲ 0.50% · 4.625%
HK$43,056
+HK$2,156/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,800/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,846
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,241
−HK$1,417/mo
Today · 4.125%
HK$47,658
baseline
▲ 0.50% · 4.625%
HK$50,558
+HK$2,900/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,316/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,890
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,228
−HK$1,358/mo
Today · 4.125%
HK$52,586
baseline
▲ 0.50% · 4.625%
HK$55,358
+HK$2,772/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,172/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,728 · Scale 2, in force from 26 Feb 2026)