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$24,534
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,297
−HK$775/mo
Today · 4.125%
HK$26,072
baseline
▲ 0.50% · 4.625%
HK$27,659
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,144/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,293
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,025
−HK$743/mo
Today · 4.125%
HK$28,768
baseline
▲ 0.50% · 4.625%
HK$30,284
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,536/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,440
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,356
−HK$931/mo
Today · 4.125%
HK$31,287
baseline
▲ 0.50% · 4.625%
HK$33,190
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$62,574/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,752
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,631
−HK$891/mo
Today · 4.125%
HK$34,522
baseline
▲ 0.50% · 4.625%
HK$36,341
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$69,044/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,347
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,416
−HK$1,085/mo
Today · 4.125%
HK$36,501
baseline
▲ 0.50% · 4.625%
HK$38,722
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$73,002/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,211
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,236
−HK$1,039/mo
Today · 4.125%
HK$40,275
baseline
▲ 0.50% · 4.625%
HK$42,398
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,550/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,161
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,534
−HK$1,396/mo
Today · 4.125%
HK$46,930
baseline
▲ 0.50% · 4.625%
HK$49,785
+HK$2,855/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,860/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,128
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,446
−HK$1,336/mo
Today · 4.125%
HK$51,782
baseline
▲ 0.50% · 4.625%
HK$54,512
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,564/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,469 · Scale 2, in force from 26 Feb 2026)