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$24,761
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,531
−HK$782/mo
Today · 4.125%
HK$26,313
baseline
▲ 0.50% · 4.625%
HK$27,914
+HK$1,601/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,626/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,546
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,285
−HK$749/mo
Today · 4.125%
HK$29,034
baseline
▲ 0.50% · 4.625%
HK$30,564
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,068/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,713
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,637
−HK$939/mo
Today · 4.125%
HK$31,576
baseline
▲ 0.50% · 4.625%
HK$33,497
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$63,152/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,055
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,942
−HK$899/mo
Today · 4.125%
HK$34,841
baseline
▲ 0.50% · 4.625%
HK$36,677
+HK$1,836/mo
Deposit HK$4.34M · loan HK$6.52M · min. income ≈ HK$69,682/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,665
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,743
−HK$1,096/mo
Today · 4.125%
HK$36,839
baseline
▲ 0.50% · 4.625%
HK$39,080
+HK$2,241/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,678/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,564
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,598
−HK$1,050/mo
Today · 4.125%
HK$40,648
baseline
▲ 0.50% · 4.625%
HK$42,790
+HK$2,142/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,296/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,569
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,955
−HK$1,409/mo
Today · 4.125%
HK$47,364
baseline
▲ 0.50% · 4.625%
HK$50,246
+HK$2,882/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,728/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,582
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,912
−HK$1,349/mo
Today · 4.125%
HK$52,261
baseline
▲ 0.50% · 4.625%
HK$55,016
+HK$2,755/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,522/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,200 · Scale 2, in force from 26 Feb 2026)