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$24,452
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,213
−HK$773/mo
Today · 4.125%
HK$25,986
baseline
▲ 0.50% · 4.625%
HK$27,567
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,972/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,203
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,932
−HK$740/mo
Today · 4.125%
HK$28,672
baseline
▲ 0.50% · 4.625%
HK$30,184
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,344/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,343
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,255
−HK$928/mo
Today · 4.125%
HK$31,183
baseline
▲ 0.50% · 4.625%
HK$33,080
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,366/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,643
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,519
−HK$888/mo
Today · 4.125%
HK$34,407
baseline
▲ 0.50% · 4.625%
HK$36,221
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,814/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,233
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,298
−HK$1,082/mo
Today · 4.125%
HK$36,380
baseline
▲ 0.50% · 4.625%
HK$38,593
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,760/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,084
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,105
−HK$1,036/mo
Today · 4.125%
HK$40,141
baseline
▲ 0.50% · 4.625%
HK$42,257
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,282/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,014
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,383
−HK$1,391/mo
Today · 4.125%
HK$46,774
baseline
▲ 0.50% · 4.625%
HK$49,620
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,548/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,965
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,278
−HK$1,332/mo
Today · 4.125%
HK$51,610
baseline
▲ 0.50% · 4.625%
HK$54,331
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,220/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,129 · Scale 2, in force from 26 Feb 2026)