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$24,497
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,259
−HK$774/mo
Today · 4.125%
HK$26,033
baseline
▲ 0.50% · 4.625%
HK$27,617
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,066/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,252
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,983
−HK$742/mo
Today · 4.125%
HK$28,725
baseline
▲ 0.50% · 4.625%
HK$30,239
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,450/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,396
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,310
−HK$929/mo
Today · 4.125%
HK$31,239
baseline
▲ 0.50% · 4.625%
HK$33,140
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,478/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,703
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,580
−HK$890/mo
Today · 4.125%
HK$34,470
baseline
▲ 0.50% · 4.625%
HK$36,287
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,940/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,295
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,362
−HK$1,084/mo
Today · 4.125%
HK$36,446
baseline
▲ 0.50% · 4.625%
HK$38,664
+HK$2,218/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,892/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,153
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,176
−HK$1,039/mo
Today · 4.125%
HK$40,215
baseline
▲ 0.50% · 4.625%
HK$42,334
+HK$2,119/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,430/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,094
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,466
−HK$1,393/mo
Today · 4.125%
HK$46,859
baseline
▲ 0.50% · 4.625%
HK$49,710
+HK$2,851/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,718/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,054
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,370
−HK$1,334/mo
Today · 4.125%
HK$51,704
baseline
▲ 0.50% · 4.625%
HK$54,430
+HK$2,726/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,408/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,861 · Scale 2, in force from 26 Feb 2026)