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$24,812
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,584
−HK$784/mo
Today · 4.125%
HK$26,368
baseline
▲ 0.50% · 4.625%
HK$27,972
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,736/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,603
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,343
−HK$751/mo
Today · 4.125%
HK$29,094
baseline
▲ 0.50% · 4.625%
HK$30,628
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,188/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,774
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,700
−HK$941/mo
Today · 4.125%
HK$31,641
baseline
▲ 0.50% · 4.625%
HK$33,567
+HK$1,926/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,282/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,124
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,012
−HK$901/mo
Today · 4.125%
HK$34,913
baseline
▲ 0.50% · 4.625%
HK$36,753
+HK$1,840/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,826/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,737
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,817
−HK$1,098/mo
Today · 4.125%
HK$36,915
baseline
▲ 0.50% · 4.625%
HK$39,161
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,830/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,644
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,681
−HK$1,051/mo
Today · 4.125%
HK$40,732
baseline
▲ 0.50% · 4.625%
HK$42,879
+HK$2,147/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,464/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,661
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,051
−HK$1,411/mo
Today · 4.125%
HK$47,462
baseline
▲ 0.50% · 4.625%
HK$50,350
+HK$2,888/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,924/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,685
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,018
−HK$1,352/mo
Today · 4.125%
HK$52,370
baseline
▲ 0.50% · 4.625%
HK$55,130
+HK$2,760/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,740/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,044 · Scale 2, in force from 26 Feb 2026)