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$24,667
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,435
−HK$779/mo
Today · 4.125%
HK$26,214
baseline
▲ 0.50% · 4.625%
HK$27,809
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,428/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,442
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,178
−HK$747/mo
Today · 4.125%
HK$28,925
baseline
▲ 0.50% · 4.625%
HK$30,449
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,850/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,601
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,522
−HK$935/mo
Today · 4.125%
HK$31,457
baseline
▲ 0.50% · 4.625%
HK$33,371
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,914/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,931
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,814
−HK$896/mo
Today · 4.125%
HK$34,710
baseline
▲ 0.50% · 4.625%
HK$36,539
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,420/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,534
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,608
−HK$1,092/mo
Today · 4.125%
HK$36,700
baseline
▲ 0.50% · 4.625%
HK$38,933
+HK$2,233/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$73,400/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,419
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,449
−HK$1,046/mo
Today · 4.125%
HK$40,495
baseline
▲ 0.50% · 4.625%
HK$42,629
+HK$2,134/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$80,990/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,401
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,782
−HK$1,403/mo
Today · 4.125%
HK$47,185
baseline
▲ 0.50% · 4.625%
HK$50,057
+HK$2,872/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,370/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,396
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,721
−HK$1,344/mo
Today · 4.125%
HK$52,065
baseline
▲ 0.50% · 4.625%
HK$54,809
+HK$2,744/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,130/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,667 · Scale 2, in force from 26 Feb 2026)