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$24,668
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,435
−HK$780/mo
Today · 4.125%
HK$26,215
baseline
▲ 0.50% · 4.625%
HK$27,810
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,430/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,443
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,179
−HK$747/mo
Today · 4.125%
HK$28,926
baseline
▲ 0.50% · 4.625%
HK$30,450
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,852/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,602
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,522
−HK$936/mo
Today · 4.125%
HK$31,458
baseline
▲ 0.50% · 4.625%
HK$33,372
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,916/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,932
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,815
−HK$896/mo
Today · 4.125%
HK$34,711
baseline
▲ 0.50% · 4.625%
HK$36,540
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,422/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,535
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,610
−HK$1,091/mo
Today · 4.125%
HK$36,701
baseline
▲ 0.50% · 4.625%
HK$38,934
+HK$2,233/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$73,402/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,420
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,451
−HK$1,045/mo
Today · 4.125%
HK$40,496
baseline
▲ 0.50% · 4.625%
HK$42,631
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$80,992/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,403
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,784
−HK$1,403/mo
Today · 4.125%
HK$47,187
baseline
▲ 0.50% · 4.625%
HK$50,058
+HK$2,871/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,374/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,397
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,722
−HK$1,344/mo
Today · 4.125%
HK$52,066
baseline
▲ 0.50% · 4.625%
HK$54,811
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,132/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,680 · Scale 2, in force from 26 Feb 2026)