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$24,486
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,247
−HK$774/mo
Today · 4.125%
HK$26,021
baseline
▲ 0.50% · 4.625%
HK$27,604
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,042/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,240
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,971
−HK$741/mo
Today · 4.125%
HK$28,712
baseline
▲ 0.50% · 4.625%
HK$30,225
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,424/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,383
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,297
−HK$928/mo
Today · 4.125%
HK$31,225
baseline
▲ 0.50% · 4.625%
HK$33,125
+HK$1,900/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$62,450/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,688
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,565
−HK$889/mo
Today · 4.125%
HK$34,454
baseline
▲ 0.50% · 4.625%
HK$36,270
+HK$1,816/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$68,908/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,280
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,346
−HK$1,084/mo
Today · 4.125%
HK$36,430
baseline
▲ 0.50% · 4.625%
HK$38,646
+HK$2,216/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,860/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,136
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,159
−HK$1,037/mo
Today · 4.125%
HK$40,196
baseline
▲ 0.50% · 4.625%
HK$42,315
+HK$2,119/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,392/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,074
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,445
−HK$1,393/mo
Today · 4.125%
HK$46,838
baseline
▲ 0.50% · 4.625%
HK$49,688
+HK$2,850/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,676/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,032
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,347
−HK$1,334/mo
Today · 4.125%
HK$51,681
baseline
▲ 0.50% · 4.625%
HK$54,405
+HK$2,724/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,362/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,680 · Scale 2, in force from 26 Feb 2026)