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$24,727
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,496
−HK$781/mo
Today · 4.125%
HK$26,277
baseline
▲ 0.50% · 4.625%
HK$27,876
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,554/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,508
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,246
−HK$748/mo
Today · 4.125%
HK$28,994
baseline
▲ 0.50% · 4.625%
HK$30,523
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,988/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,672
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,595
−HK$938/mo
Today · 4.125%
HK$31,533
baseline
▲ 0.50% · 4.625%
HK$33,451
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,066/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,010
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,895
−HK$898/mo
Today · 4.125%
HK$34,793
baseline
▲ 0.50% · 4.625%
HK$36,627
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,586/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,617
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,694
−HK$1,094/mo
Today · 4.125%
HK$36,788
baseline
▲ 0.50% · 4.625%
HK$39,027
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,576/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,511
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,544
−HK$1,048/mo
Today · 4.125%
HK$40,592
baseline
▲ 0.50% · 4.625%
HK$42,732
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,184/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,508
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,893
−HK$1,406/mo
Today · 4.125%
HK$47,299
baseline
▲ 0.50% · 4.625%
HK$50,177
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,598/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,515
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,843
−HK$1,347/mo
Today · 4.125%
HK$52,190
baseline
▲ 0.50% · 4.625%
HK$54,941
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,380/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,644 · Scale 2, in force from 26 Feb 2026)