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$24,818
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,590
−HK$785/mo
Today · 4.125%
HK$26,375
baseline
▲ 0.50% · 4.625%
HK$27,979
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,750/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,610
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,350
−HK$752/mo
Today · 4.125%
HK$29,102
baseline
▲ 0.50% · 4.625%
HK$30,636
+HK$1,534/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,204/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,782
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,708
−HK$941/mo
Today · 4.125%
HK$31,649
baseline
▲ 0.50% · 4.625%
HK$33,575
+HK$1,926/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,298/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,132
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,021
−HK$901/mo
Today · 4.125%
HK$34,922
baseline
▲ 0.50% · 4.625%
HK$36,763
+HK$1,841/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,844/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,745
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,826
−HK$1,098/mo
Today · 4.125%
HK$36,924
baseline
▲ 0.50% · 4.625%
HK$39,171
+HK$2,247/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,848/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,654
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,691
−HK$1,051/mo
Today · 4.125%
HK$40,742
baseline
▲ 0.50% · 4.625%
HK$42,890
+HK$2,148/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,484/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,673
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,062
−HK$1,412/mo
Today · 4.125%
HK$47,474
baseline
▲ 0.50% · 4.625%
HK$50,363
+HK$2,889/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$94,948/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,698
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,031
−HK$1,352/mo
Today · 4.125%
HK$52,383
baseline
▲ 0.50% · 4.625%
HK$55,144
+HK$2,761/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,766/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,149 · Scale 2, in force from 26 Feb 2026)