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$24,677
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,444
−HK$780/mo
Today · 4.125%
HK$26,224
baseline
▲ 0.50% · 4.625%
HK$27,820
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,448/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,453
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,189
−HK$747/mo
Today · 4.125%
HK$28,936
baseline
▲ 0.50% · 4.625%
HK$30,461
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,872/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,612
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,533
−HK$936/mo
Today · 4.125%
HK$31,469
baseline
▲ 0.50% · 4.625%
HK$33,384
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,938/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,943
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,827
−HK$896/mo
Today · 4.125%
HK$34,723
baseline
▲ 0.50% · 4.625%
HK$36,553
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,446/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,547
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,622
−HK$1,092/mo
Today · 4.125%
HK$36,714
baseline
▲ 0.50% · 4.625%
HK$38,948
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,428/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,434
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,465
−HK$1,045/mo
Today · 4.125%
HK$40,510
baseline
▲ 0.50% · 4.625%
HK$42,646
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,020/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,418
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,800
−HK$1,404/mo
Today · 4.125%
HK$47,204
baseline
▲ 0.50% · 4.625%
HK$50,076
+HK$2,872/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,408/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,415
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,740
−HK$1,345/mo
Today · 4.125%
HK$52,085
baseline
▲ 0.50% · 4.625%
HK$54,830
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,170/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,823 · Scale 2, in force from 26 Feb 2026)