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$24,663
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,431
−HK$779/mo
Today · 4.125%
HK$26,210
baseline
▲ 0.50% · 4.625%
HK$27,805
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,420/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,438
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,174
−HK$746/mo
Today · 4.125%
HK$28,920
baseline
▲ 0.50% · 4.625%
HK$30,445
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,840/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,596
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,517
−HK$935/mo
Today · 4.125%
HK$31,452
baseline
▲ 0.50% · 4.625%
HK$33,366
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,904/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,925
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,808
−HK$896/mo
Today · 4.125%
HK$34,704
baseline
▲ 0.50% · 4.625%
HK$36,533
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,408/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,529
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,603
−HK$1,091/mo
Today · 4.125%
HK$36,694
baseline
▲ 0.50% · 4.625%
HK$38,927
+HK$2,233/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,388/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,413
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,443
−HK$1,045/mo
Today · 4.125%
HK$40,488
baseline
▲ 0.50% · 4.625%
HK$42,622
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,976/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,394
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,775
−HK$1,403/mo
Today · 4.125%
HK$47,178
baseline
▲ 0.50% · 4.625%
HK$50,049
+HK$2,871/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,356/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,388
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,713
−HK$1,343/mo
Today · 4.125%
HK$52,056
baseline
▲ 0.50% · 4.625%
HK$54,800
+HK$2,744/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,112/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,603 · Scale 2, in force from 26 Feb 2026)