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$24,781
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,552
−HK$783/mo
Today · 4.125%
HK$26,335
baseline
▲ 0.50% · 4.625%
HK$27,938
+HK$1,603/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,670/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,569
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,308
−HK$751/mo
Today · 4.125%
HK$29,059
baseline
▲ 0.50% · 4.625%
HK$30,590
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,118/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,738
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,663
−HK$940/mo
Today · 4.125%
HK$31,603
baseline
▲ 0.50% · 4.625%
HK$33,525
+HK$1,922/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,206/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,083
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,970
−HK$900/mo
Today · 4.125%
HK$34,870
baseline
▲ 0.50% · 4.625%
HK$36,708
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,740/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,694
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,773
−HK$1,097/mo
Today · 4.125%
HK$36,870
baseline
▲ 0.50% · 4.625%
HK$39,113
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,740/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,597
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,632
−HK$1,050/mo
Today · 4.125%
HK$40,682
baseline
▲ 0.50% · 4.625%
HK$42,826
+HK$2,144/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,364/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,607
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,994
−HK$1,410/mo
Today · 4.125%
HK$47,404
baseline
▲ 0.50% · 4.625%
HK$50,288
+HK$2,884/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,808/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,624
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,955
−HK$1,350/mo
Today · 4.125%
HK$52,305
baseline
▲ 0.50% · 4.625%
HK$55,062
+HK$2,757/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,610/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,544 · Scale 2, in force from 26 Feb 2026)