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$24,801
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,572
−HK$784/mo
Today · 4.125%
HK$26,356
baseline
▲ 0.50% · 4.625%
HK$27,959
+HK$1,603/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,712/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,590
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,330
−HK$751/mo
Today · 4.125%
HK$29,081
baseline
▲ 0.50% · 4.625%
HK$30,614
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,162/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,761
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,686
−HK$941/mo
Today · 4.125%
HK$31,627
baseline
▲ 0.50% · 4.625%
HK$33,551
+HK$1,924/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,254/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,108
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,996
−HK$901/mo
Today · 4.125%
HK$34,897
baseline
▲ 0.50% · 4.625%
HK$36,737
+HK$1,840/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,794/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,721
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,801
−HK$1,097/mo
Today · 4.125%
HK$36,898
baseline
▲ 0.50% · 4.625%
HK$39,143
+HK$2,245/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,796/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,626
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,662
−HK$1,051/mo
Today · 4.125%
HK$40,713
baseline
▲ 0.50% · 4.625%
HK$42,859
+HK$2,146/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,426/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,641
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,030
−HK$1,410/mo
Today · 4.125%
HK$47,440
baseline
▲ 0.50% · 4.625%
HK$50,327
+HK$2,887/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,880/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,663
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,995
−HK$1,351/mo
Today · 4.125%
HK$52,346
baseline
▲ 0.50% · 4.625%
HK$55,105
+HK$2,759/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,692/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,858 · Scale 2, in force from 26 Feb 2026)