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$24,454
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,215
−HK$773/mo
Today · 4.125%
HK$25,988
baseline
▲ 0.50% · 4.625%
HK$27,569
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,976/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,205
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,935
−HK$740/mo
Today · 4.125%
HK$28,675
baseline
▲ 0.50% · 4.625%
HK$30,186
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,350/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,345
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,258
−HK$927/mo
Today · 4.125%
HK$31,185
baseline
▲ 0.50% · 4.625%
HK$33,083
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,370/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,646
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,522
−HK$888/mo
Today · 4.125%
HK$34,410
baseline
▲ 0.50% · 4.625%
HK$36,224
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,820/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,236
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,301
−HK$1,082/mo
Today · 4.125%
HK$36,383
baseline
▲ 0.50% · 4.625%
HK$38,597
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,766/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,087
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,109
−HK$1,036/mo
Today · 4.125%
HK$40,145
baseline
▲ 0.50% · 4.625%
HK$42,261
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,290/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,018
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,387
−HK$1,391/mo
Today · 4.125%
HK$46,778
baseline
▲ 0.50% · 4.625%
HK$49,624
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,556/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,969
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,283
−HK$1,332/mo
Today · 4.125%
HK$51,615
baseline
▲ 0.50% · 4.625%
HK$54,336
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,230/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,164 · Scale 2, in force from 26 Feb 2026)