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$24,473
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,235
−HK$773/mo
Today · 4.125%
HK$26,008
baseline
▲ 0.50% · 4.625%
HK$27,591
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,016/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,226
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,956
−HK$741/mo
Today · 4.125%
HK$28,697
baseline
▲ 0.50% · 4.625%
HK$30,210
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,394/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,368
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,281
−HK$929/mo
Today · 4.125%
HK$31,210
baseline
▲ 0.50% · 4.625%
HK$33,109
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,420/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,672
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,548
−HK$889/mo
Today · 4.125%
HK$34,437
baseline
▲ 0.50% · 4.625%
HK$36,252
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,874/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,263
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,328
−HK$1,083/mo
Today · 4.125%
HK$36,411
baseline
▲ 0.50% · 4.625%
HK$38,627
+HK$2,216/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,822/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,117
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,139
−HK$1,037/mo
Today · 4.125%
HK$40,176
baseline
▲ 0.50% · 4.625%
HK$42,294
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,352/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,052
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,422
−HK$1,392/mo
Today · 4.125%
HK$46,814
baseline
▲ 0.50% · 4.625%
HK$49,663
+HK$2,849/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,628/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,007
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,322
−HK$1,333/mo
Today · 4.125%
HK$51,655
baseline
▲ 0.50% · 4.625%
HK$54,378
+HK$2,723/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,310/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,477 · Scale 2, in force from 26 Feb 2026)