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$24,282
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,037
−HK$768/mo
Today · 4.125%
HK$25,805
baseline
▲ 0.50% · 4.625%
HK$27,375
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,610/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,013
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,738
−HK$735/mo
Today · 4.125%
HK$28,473
baseline
▲ 0.50% · 4.625%
HK$29,974
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,946/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,138
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,045
−HK$921/mo
Today · 4.125%
HK$30,966
baseline
▲ 0.50% · 4.625%
HK$32,850
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,932/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,416
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,285
−HK$882/mo
Today · 4.125%
HK$34,167
baseline
▲ 0.50% · 4.625%
HK$35,968
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,334/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,995
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,052
−HK$1,074/mo
Today · 4.125%
HK$36,126
baseline
▲ 0.50% · 4.625%
HK$38,325
+HK$2,199/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,252/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,819
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,833
−HK$1,029/mo
Today · 4.125%
HK$39,862
baseline
▲ 0.50% · 4.625%
HK$41,963
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,724/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,707
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,067
−HK$1,381/mo
Today · 4.125%
HK$46,448
baseline
▲ 0.50% · 4.625%
HK$49,275
+HK$2,827/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,896/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,624
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,928
−HK$1,323/mo
Today · 4.125%
HK$51,251
baseline
▲ 0.50% · 4.625%
HK$53,953
+HK$2,702/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,502/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,329 · Scale 2, in force from 26 Feb 2026)