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$24,470
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,231
−HK$773/mo
Today · 4.125%
HK$26,004
baseline
▲ 0.50% · 4.625%
HK$27,586
+HK$1,582/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,008/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,222
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,952
−HK$741/mo
Today · 4.125%
HK$28,693
baseline
▲ 0.50% · 4.625%
HK$30,205
+HK$1,512/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,386/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,364
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,277
−HK$928/mo
Today · 4.125%
HK$31,205
baseline
▲ 0.50% · 4.625%
HK$33,104
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,410/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,667
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,543
−HK$889/mo
Today · 4.125%
HK$34,432
baseline
▲ 0.50% · 4.625%
HK$36,246
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,864/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,257
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,323
−HK$1,083/mo
Today · 4.125%
HK$36,406
baseline
▲ 0.50% · 4.625%
HK$38,621
+HK$2,215/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,812/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,111
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,133
−HK$1,037/mo
Today · 4.125%
HK$40,170
baseline
▲ 0.50% · 4.625%
HK$42,288
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,340/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,045
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,415
−HK$1,392/mo
Today · 4.125%
HK$46,807
baseline
▲ 0.50% · 4.625%
HK$49,655
+HK$2,848/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,614/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,000
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,314
−HK$1,333/mo
Today · 4.125%
HK$51,647
baseline
▲ 0.50% · 4.625%
HK$54,370
+HK$2,723/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,294/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,416 · Scale 2, in force from 26 Feb 2026)