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$24,464
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,224
−HK$774/mo
Today · 4.125%
HK$25,998
baseline
▲ 0.50% · 4.625%
HK$27,580
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,996/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,215
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,945
−HK$741/mo
Today · 4.125%
HK$28,686
baseline
▲ 0.50% · 4.625%
HK$30,198
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,372/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,356
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,269
−HK$928/mo
Today · 4.125%
HK$31,197
baseline
▲ 0.50% · 4.625%
HK$33,095
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,394/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,659
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,534
−HK$889/mo
Today · 4.125%
HK$34,423
baseline
▲ 0.50% · 4.625%
HK$36,237
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,846/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,249
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,314
−HK$1,083/mo
Today · 4.125%
HK$36,397
baseline
▲ 0.50% · 4.625%
HK$38,611
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,794/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,102
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,123
−HK$1,037/mo
Today · 4.125%
HK$40,160
baseline
▲ 0.50% · 4.625%
HK$42,277
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,320/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,034
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,404
−HK$1,392/mo
Today · 4.125%
HK$46,796
baseline
▲ 0.50% · 4.625%
HK$49,643
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,592/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,988
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,302
−HK$1,332/mo
Today · 4.125%
HK$51,634
baseline
▲ 0.50% · 4.625%
HK$54,356
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,268/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,316 · Scale 2, in force from 26 Feb 2026)