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$24,520
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,283
−HK$775/mo
Today · 4.125%
HK$26,058
baseline
▲ 0.50% · 4.625%
HK$27,643
+HK$1,585/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,116/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,278
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,010
−HK$742/mo
Today · 4.125%
HK$28,752
baseline
▲ 0.50% · 4.625%
HK$30,268
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,504/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,424
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,339
−HK$930/mo
Today · 4.125%
HK$31,269
baseline
▲ 0.50% · 4.625%
HK$33,172
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,538/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,734
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,612
−HK$890/mo
Today · 4.125%
HK$34,502
baseline
▲ 0.50% · 4.625%
HK$36,321
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$69,004/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,328
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,396
−HK$1,085/mo
Today · 4.125%
HK$36,481
baseline
▲ 0.50% · 4.625%
HK$38,700
+HK$2,219/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,962/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,190
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,214
−HK$1,039/mo
Today · 4.125%
HK$40,253
baseline
▲ 0.50% · 4.625%
HK$42,375
+HK$2,122/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,506/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,136
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,509
−HK$1,395/mo
Today · 4.125%
HK$46,904
baseline
▲ 0.50% · 4.625%
HK$49,758
+HK$2,854/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,808/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,101
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,418
−HK$1,336/mo
Today · 4.125%
HK$51,754
baseline
▲ 0.50% · 4.625%
HK$54,482
+HK$2,728/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,508/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,244 · Scale 2, in force from 26 Feb 2026)